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Your Clients. Their Wealth.
Our Risk Management Expertise.

Your Clients.
Their Wealth.
Our Risk Management Expertise.

We partner with CPAs throughout California to help protect high-net-worth clients through sophisticated insurance strategies designed to complement tax planning, wealth preservation, and long-term financial goals. Led by Private Client Advisor Alexander Kerhulas, our team helps CPAs address complex risks associated with significant wealth — from business ownership and liquidity events to estate planning, executive compensation, luxury properties, and evolving lifestyle exposures.

We partner with CPAs throughout California to help protect high-net-worth clients through sophisticated insurance strategies designed to complement tax planning, wealth preservation, and long-term financial goals. Led by Private Client Advisor Alexander Kerhulas, our team helps CPAs address complex risks associated with significant wealth — from business ownership and liquidity events to estate planning, executive compensation, luxury properties, and evolving lifestyle exposures.

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Overview

Helping CPAs Protect More Than Financial Statements

Your clients rely on you to help them navigate complex tax strategies, preserve wealth, support business growth, and plan for the future. While accounting, tax planning, and financial guidance are essential to that process, insurance is often the foundation that protects everything you’ve helped them build. Without the right coverage, an unexpected loss can quickly jeopardize years of careful financial planning and wealth preservation.

At Wheeler & Taylor Private Client Group, we partner with CPAs throughout California to help protect high-net-worth individuals, business owners, executives, and families with customized insurance strategies designed around their unique assets, lifestyle, and long-term financial objectives. Rather than viewing insurance as a standalone product, we see it as a critical component of a client’s overall financial, tax, and estate planning strategy.

Our role is to complement the work you already do by identifying overlooked exposures, evaluating existing insurance programs, and developing solutions that align with your clients’ broader financial picture. California’s affluent families and business owners often experience significant financial events that create new insurance needs—from business expansion and liquidity events to real estate acquisitions, trust planning, executive compensation, and multigenerational wealth transfers. As clients’ financial lives become more sophisticated, their insurance strategies should evolve alongside them.

Working together allows you to deliver an even higher level of service while giving your clients access to specialized Private Client insurance expertise backed by one of the nation’s most respected independent insurance agencies.

Financial advisor meeting with affluent clients in a luxury California setting to discuss wealth planning and risk management strategies

Risk Management Expertise

An Extension of Your CPA Practice

Exceptional client relationships are built on trust, expertise, and collaboration. At Wheeler & Taylor Private Client Group, we become an extension of your CPA practice—providing specialized personal risk management solutions that complement your tax planning, business advisory, and wealth preservation services while strengthening the relationships you’ve built with your clients.

We work alongside CPAs throughout California by providing comprehensive insurance reviews, evaluating existing coverage, identifying overlooked exposures, and serving as a trusted insurance resource for your clients. Whether we’re working behind the scenes or collaborating directly with clients, our objective remains the same: protect your clients’ assets while reinforcing your role as their most trusted advisor.

As clients accumulate wealth, their financial lives become increasingly complex. Business ownership, real estate investments, vacation homes, trusts, executive compensation, concentrated stock positions, valuable collections, and multigenerational wealth transfer all introduce risks that standard insurance policies often fail to address. Without proper protection, a significant uninsured loss can quickly undermine years of thoughtful tax planning and financial stewardship.

Throughout California—including Silicon Valley, Los Angeles, Orange County, Newport Beach, Atherton, Montecito, Beverly Hills, Malibu, San Diego, and the Bay Area—high-net-worth individuals face unique insurance challenges driven by luxury real estate values, wildfire exposure, earthquake risk, coastal properties, increasing construction costs, and complex personal liability exposures.

Our Private Client specialists help identify these risks before they become costly problems, ensuring each client’s insurance strategy supports their broader financial, tax, estate, and wealth preservation objectives.

By partnering with Wheeler & Taylor, CPAs can remain focused on tax strategy, accounting, business advisory services, and long-term financial planning, knowing their clients’ personal risk management is receiving the same level of expertise, proactive attention, and ongoing oversight.

High-Net-Worth Expertise

Specialized insurance strategies designed for affluent individuals, business owners, executives, professionals, and multigenerational families with complex financial needs.

Collaborative Planning

We work alongside CPAs to integrate personal risk management into each client's overall tax, estate, and financial strategy while supporting and strengthening your existing client relationships.

Proactive Risk Management

Identify hidden coverage gaps, emerging liability exposures, and evolving insurance needs before they become costly financial setbacks.

Long-Term Protection

Through ongoing policy reviews and proactive risk assessments, we help ensure insurance coverage evolves alongside your clients' assets, business interests, tax strategies, and long-term wealth preservation goals.

Custom Homes

Specialized Coverage Needs

Waterfront Exposure

Specialized Coverage Needs

Multiple Properties

Coordinated Protection Strategies

Your Private Client Insurance Partner

Alex Kerhulas, CPRIA

With more than 15 years of Private Client experience, Alex helps CPAs identify hidden client exposures, evaluate existing insurance programs, and develop risk management strategies that complement broader tax and wealth planning goals. His role is to help CPAs enhance client relationships by providing a trusted resource for complex personal risk management and protecting the assets their clients have worked to build.

National Strength.
Private Client Attention.

Why Financial Advisors Partner
With Alex Kerhulas

Choosing the right Private Client insurance partner is about more than securing coverage — it's about protecting the relationships you've built and helping ensure your clients receive the same level of expertise and personalized service they expect from you. The right partnership should complement your CPA practice while providing specialized guidance for complex personal risk management and wealth preservation.

At Wheeler & Taylor Private Client Group, Alex combines more than 15 years of Private Client experience with the resources of a nationally recognized independent agency. We work alongside CPAs as an extension of their team, helping identify insurance exposures, evaluate existing coverage, develop customized risk management strategies, and provide guidance that supports their clients’ broader tax, estate, and financial planning objectives.

Our Private Client Group specializes in serving high-net-worth individuals and families with sophisticated insurance needs. From luxury residences and vacation homes to valuable collections, personal liability, executive assets, and multi-generational wealth, we design comprehensive insurance strategies that align with broader financial, estate, tax, and legacy planning goals.

Expert Advisor Review

Tailored Guidance​

Top Carrier Access​

Concierge-Level Service

Concierge-Level Service​

By partnering with Wheeler & Taylor, CPAs gain access to a dedicated Private Client team with the experience, resources, and market relationships to support even the most complex personal insurance needs. Our collaborative approach allows you to deliver a more comprehensive client experience while reinforcing your role as a trusted advisor and helping protect the assets, lifestyle, and wealth your clients have worked so hard to build.

Big Enough To Help, Small Enough To Care

As a boutique specialist, our relationships are built on accessibility, trust, and a hands-on approach that makes every client feel like a priority - not a policy number. Backed by the strength and resources of one of the nation’s 100 largest P&C insurance agencies, Wheeler & Taylor delivers the market access, expertise and tailored solutions to meet the unique needs of every client engagement.* While our proven expertise, capabilities, and market reach set us apart, our hometown service approach and consistent dedication to our clients defines the Wheeler & Taylor experience.​

Specialized Expertise

Our team brings deep industry-specific knowledge across a wide range of risk profiles. We apply that expertise to design tailored solutions that address complex exposures with precision and confidence.

Concierge-Level Service

At Wheeler & Taylor, concierge-level service means more than responsiveness — it means having a trusted team that is proactive, accessible, and fully invested in your success. We provide high-touch support with dedicated professionals available whenever you need guidance. Whether navigating an urgent claim, managing evolving risks, or addressing day-to-day servicing support, our team is always accessible to respond quickly and guide you through every step.

Long-Term Partnership Approach

We prioritize relationships over transactions by building long-term partnerships with our clients. As your needs evolve, we stay aligned with you by adapting coverage and strategy to support your growth over time.

*Based on data compiled by Insurance Journal. W&T does not publicly disclose its financial information and is therefore not included in the official rankings.

Why Alex Kerhulas

Protecting Legacies, Preserving Futures

Choosing the right Private Client insurance partner is about more than securing coverage — it's about protecting the relationships you've built and helping ensure your clients receive the same level of expertise and personalized service they expect from you. The right partnership should complement your CPA practice while providing specialized guidance for complex personal risk management and wealth preservation.

At Wheeler & Taylor Private Client Group, Alex combines more than 15 years of Private Client experience with the resources of a nationally recognized independent agency. We work alongside CPAs as an extension of their team, helping identify insurance exposures, evaluate existing coverage, develop customized risk management strategies, and provide guidance that supports their clients’ broader tax, estate, and financial planning objectives.

Our Private Client Group specializes in serving high-net-worth individuals and families with sophisticated insurance needs. From luxury residences and vacation homes to valuable collections, personal liability, executive assets, and multi-generational wealth, we design comprehensive insurance strategies that align with broader financial, estate, tax, and legacy planning goals.

Big Enough To Help.
Small Enough To Care.

As a boutique specialist, our relationships are built on accessibility, trust, and a hands-on approach that makes every client feel like a priority — not a policy number. Backed by the strength and resources of one of the nation’s 100 largest P&C insurance agencies, Wheeler & Taylor delivers the market access, expertise and tailored solutions to meet the unique needs of every client engagement.* While our proven expertise, capabilities, and market reach set us apart, our hometown service approach and consistent dedication to our clients defines the Wheeler & Taylor experience.

Specialized Expertise

Our team brings deep industry-specific knowledge across a wide range of risk profiles. We apply that expertise to design tailored solutions that address complex exposures with precision and confidence.

Concierge-Level Service

At Wheeler & Taylor, concierge-level service means more than responsiveness — it means having a trusted team that is proactive, accessible, and fully invested in your success. We provide high-touch support with dedicated professionals available whenever you need guidance. Whether navigating an urgent claim, managing evolving risks, or addressing day-to-day servicing support, our team is always accessible to respond quickly and guide you through every step.

Long-Term Partnership Approach

We prioritize relationships over transactions by building long-term partnerships with our clients. As your needs evolve, we stay aligned with you by adapting coverage and strategy to support your growth over time.

*Based on data compiled by Insurance Journal. W&T does not publicly disclose its financial information and is therefore not included in the official rankings.

Common Private Client Insurance Gaps Among California's Affluent Families

Why High-Net-Worth Clients Require a More Strategic Insurance Approach

Affluent clients often have insurance programs that no longer reflect the complexity of their assets, business interests, and financial position. As wealth grows, traditional insurance solutions may leave important exposures unaddressed or create gaps that could impact long-term financial plans. For CPAs advising high-net-worth individuals and families, understanding these potential risks is an important part of protecting overall wealth strategies. A comprehensive Private Client review helps identify overlooked exposures, evaluate existing coverage, and ensure insurance programs continue to align with evolving financial, tax, and estate planning objectives.

California Catastrophe Exposure

California’s unique geography creates specialized risks for affluent homeowners and property owners. Wildfire, earthquake, coastal exposures, mudslide risks, and rising construction costs can create significant insurance challenges that require a more strategic approach to risk management.

Property Valuation Drift

Luxury residences, custom homes, and unique properties often require specialized valuation strategies to ensure coverage accurately reflects current rebuilding costs, construction trends, and evolving property values.

Liability Exposure

As clients accumulate wealth, personal liability risks become increasingly complex. Appropriate umbrella protection and customized liability strategies help safeguard assets, income, and long-term wealth.

Complex Property Ownership

Many affluent California clients maintain primary residences, vacation homes, investment properties, and real estate holdings across multiple states. A coordinated insurance strategy helps address valuation, liability, and catastrophe exposures across an entire portfolio.

Valuable Assets & Collections

Fine art, jewelry, collectibles, wine collections, and other high-value possessions often require specialized coverage and valuation beyond the limits provided by traditional insurance programs.

Lifestyle & Emerging Risks

Cyber exposure, domestic employees, watercraft, private aviation, executive lifestyles, and other emerging risks require thoughtful planning and specialized solutions. High-net-worth households may also face additional considerations involving privacy protection, travel, household staff, and complex personal assets.

Integrated Risk Management

Home, automobile, umbrella, cyber, valuables, and specialty coverages should work together as part of a coordinated wealth protection strategy that supports broader financial and estate planning objectives.

Wealth Transition & Newly Acquired Assets

Significant wealth events can create new insurance exposures that are often overlooked. Business sales, liquidity events, inherited wealth, executive compensation, and major asset acquisitions can quickly change a client’s risk profile and require proactive insurance planning.

A structured review ensures coverage evolves with real asset values, lifestyle changes, and emerging risk exposures.

Is Your Client’s Insurance Strategy Keeping Pace With Their Wealth?

Many high-net-worth individuals discover insurance gaps only after a significant loss occurs. A proactive Private Client review can help identify potential coverage limitations, outdated valuations, and evolving risks before they impact your client’s overall financial, estate, and wealth planning strategy.

Our Private Client advisors work collaboratively with CPAs to evaluate existing insurance programs, identify opportunities for improvement, and develop customized protection strategies designed around each client’s assets, lifestyle, and long-term financial objectives.

Assess Your Private Client Risk Exposure

Private Client Insurance Solutions for California Wealth

We design coverage strategies around the full spectrum of high-net-worth personal and lifestyle exposures, including the unique property, liability, asset protection, and wealth preservation risks faced by affluent California families.

Luxury Homes & Estates

Primary & Secondary Residences

High-Value Automotive Collections

Private Aviation Exposure

Marine & Coastal Vessel Coverage

Excess Liability & Umbrella Structuring

Private collection featuring fine art, luxury watches, jewelry, antiques, and collectibles displayed in an elegant gallery setting.

Valuable Assets & Collections Protection

Personal Cyber Risk Protection

Global Travel & Lifestyle Risk Coverage

Luxury California home affected by flooding and earthquake damage requiring specialized private client insurance protection.

Flood & Earthquake

Professional household staff supporting operations at a luxury residence insured through private client coverage solutions.

Domestic Staff Liability

Private client advisors collaborating with family office professionals and wealth advisors on integrated risk management strategies.

Family Office Coordination

Luxury residences located across multiple states requiring coordinated private client insurance strategies.

Multi-State Property Portfolios

Our Process

Comprehensive Risk Management. Customized Solutions.

Comprehensive Coordination.
Strategic Oversight.

We operate as a private client insurance advisor — working across carriers, markets, and specialty programs to align coverage architecture with the actual risk profile of each client’s assets, lifestyle, and ownership structure. The result is a coordinated insurance strategy designed to protect wealth, address complex exposures, and respond effectively in high-severity scenarios.

Discovery & Strategy

We begin by identifying and understanding your client’s unique exposures, coverage needs, and long-term objectives. We then collaborate with you and your advisory team to develop a customized insurance program that balances protection, value, and alignment with their broader financial goals.

Execution & Optimization

Market Execution & Placement

Developing a tailored coverage program is the foundation of a successful Private Client experience. Through comprehensive market analysis and access to leading carriers and specialty programs, we secure competitive terms, conditions, and coverage solutions designed around each client’s unique risk profile.

Oversight & Adaptation​

Ongoing Stewardship

We continuously monitor each insurance program through regular coverage evaluations, proactive risk assessments, and ongoing marketplace reviews to help ensure coverage evolves alongside your client’s wealth, assets, and lifestyle.

The Beverly Hills Insurance Guide

PROPERTY & ESTATE RISK

client risk management strategies.

How Much Does Luxury Home Insurance Cost in Beverly Hills?

Understanding Wildfire Risk for Beverly Hills Homeowners

Why Luxury Home Replacement Costs Continue Rising

How Often Should High-Net-Worth Homeowners Review Coverage?

LIFESTYLE & ASSET PROTECTION

Beverly Hills luxury home estate protected by Wheeler & Taylor Private Client Insurance

Insurance Considerations for Beverly Hills Luxury Estates

Protecting Fine Art, Jewelry & Collections in California Homes

Why Successful Families Need Excess Liability Protection

Private Aviation Insurance Considerations

Insurance Insights

What Is Considered High Net Worth?

High Net Worth Insurance vs Standard Homeowners Insurance

Why Standard Insurance Fails High-Value Homes

What Assets Are Covered Under High Net Worth Insurance?

Umbrella Liability Insurance for High Net Worth Families

High Net Worth Insurance Cost Guide (2026)

YOUR PRIVATE CLIENT ADVISOR

Alexander Kerhulas, CPRIA

With more than 15 years of Private Client experience, Alexander Kerhulas specializes in helping affluent individuals, families, and business owners protect the assets they have worked a lifetime to build. His relationship-first approach emphasizes personalized guidance, proactive communication, and customized insurance strategies designed around each client’s unique financial picture and risk profile.

Alex works closely with CPAs, financial advisors, estate planning attorneys, private bankers, and other trusted professionals to ensure insurance becomes a coordinated component of each client’s broader wealth management strategy. Rather than focusing on products, he focuses on protecting lifestyles, preserving wealth, and building long-term relationships founded on trust, responsiveness, and expertise. Clients and professional partners value his ability to simplify complex insurance decisions while delivering concierge-level service throughout every stage of the relationship.

(310) 601-5721  |  akerhulas@wheelerandtaylor.com

Frequently Asked Questions

Insights for CPAs navigating complex insurance considerations for affluent individuals, families, and business owners.

Insurance plays an important role in protecting the assets, income, and wealth strategies CPAs help their clients build. A Private Client insurance advisor can identify potential coverage gaps, evaluate existing policies, and provide specialized guidance that complements tax planning, estate strategies, and overall financial objectives.

A well-designed insurance program helps protect the assets, investments, businesses, and lifestyle choices that are central to a client’s financial plan. Proper coverage can help mitigate risks associated with property ownership, liability exposure, wealth accumulation, and significant life or business transitions.

The ideal time is before a major financial event creates new exposure. CPAs often identify opportunities to involve an insurance specialist when clients acquire significant assets, sell a business, experience liquidity events, purchase luxury properties, establish estate plans, or experience changes in their overall financial position.

Affluent clients often have complex exposures that standard insurance programs may not address. Key considerations may include luxury residences, multiple properties, valuable collections, increased liability exposure, domestic employees, cyber risks, business ownership, and assets held through trusts or other structures.

Wheeler & Taylor works alongside CPAs as an extension of their advisory team. We provide insurance expertise, coverage reviews, and risk management recommendations while respecting the CPA’s existing client relationship and broader financial planning role.

Common gaps include outdated property valuations, insufficient liability protection, missing specialty coverage for valuable assets, inadequate protection for secondary residences, and insurance programs that have not evolved alongside a client’s increasing wealth.

Significant wealth events often create new insurance considerations. Business sales, inherited assets, investment growth, executive compensation, and real estate acquisitions can all change a client’s risk profile. A proactive Private Client insurance review helps ensure protection strategies keep pace with these changes.

Yes. Many affluent clients own primary residences, vacation homes, investment properties, and assets across multiple locations. Our Private Client team develops coordinated insurance strategies designed to address complex ownership structures, property values, liability exposures, and specialty coverage needs.

Private Client insurance is designed for individuals and families with more complex assets and higher levels of exposure. It focuses on customized risk management, specialized coverage solutions, proactive reviews, and concierge-level service rather than simply placing a standard policy.

Wheeler & Taylor provides CPAs with access to experienced Private Client advisors, specialized insurance markets, and a collaborative approach designed to enhance the client experience. We help protect the wealth CPAs work to preserve by providing thoughtful, customized risk management strategies.

A Private Client review helps identify overlooked exposures, evaluate whether current coverage aligns with actual assets and risks, and develop recommendations designed around the client’s financial goals, lifestyle, and long-term wealth preservation strategy.

NEW YORK CITY PROPERTY INSURANCE INSIGHTS

NYC PROPERTY INSURANCE INSIGHTS

Insurance considerations for co-ops, condos, and luxury residences in New York City.

Collection of luxury homes across the Northeast including coastal, urban, and seasonal properties.

NYC Home Insurance: Co-Ops, Condos, and High-Density Liability Risk in New York City

Co-Op Insurance Risks in New York City

Coverage gaps, board requirements, and shared ownership exposure in NYC co-ops.

Luxury New York City cooperative apartment representing co-op insurance and ownership risks

Co-Op Insurance Risks in New York City

CONDO LIABILITY EXPOSURE

Master policy structure, unit owner responsibility, and loss assessment risk in NYC condominiums.

Luxury New York City condominium representing liability and insurance considerations for condo owners

Condo Liability Exposure & Loss Assessment in NYC

Coverage Designed Around California Wealth, Assets, and Lifestyle

We combine the capabilities of a national-scale insurance organization with the attention, access, and responsiveness of a boutique advisory practice. Our Private Client Group helps financial advisors address complex risks associated with luxury properties, concentrated wealth, lifestyle assets, and California-specific exposures through a coordinated risk management approach.

Connect With Alex

© 2026 Wheeler & Taylor Private Client Group. All rights reserved. Wheeler & Taylor Private Client Group provides insurance advisory services and places coverage through a carefully selected network of licensed insurance carriers. Insurance policies are issued and underwritten by individual insurance companies that are authorized to transact business in the applicable jurisdiction. Coverage availability, terms, conditions, limitations, and deductibles vary by policy and by state. This website content is intended for informational purposes only and does not constitute a guarantee of coverage. Descriptions of coverage are general in nature and may not reflect all policy provisions or exclusions. For complete details regarding coverage, terms, and conditions, please refer to the applicable insurance policy or consult directly with your Wheeler & Taylor Private Client Group advisor. CA License #0M53121

Wheeler & Taylor Insurance Logo Since 1871

CA License #0M53121

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