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Your Clients. Their Wealth.
Our Expertise.

Your Clients.
Their Wealth.
Our Expertise.

We partner with financial advisors throughout California to help protect high-net-worth clients through sophisticated insurance strategies designed to complement financial planning, preserve wealth, and strengthen long-term relationships. Led by Private Client Advisor Alexander Kerhulas, our team helps advisors address complex risks associated with significant wealth — from liquidity events and equity compensation to luxury properties, concentrated assets, and evolving lifestyle exposures.

We partner with financial advisors throughout California to help protect high-net-worth clients through sophisticated insurance strategies designed to complement financial planning, preserve wealth, and strengthen long-term relationships. Led by Private Client Advisor Alexander Kerhulas, our team helps advisors address complex risks associated with significant wealth — from liquidity events and equity compensation to luxury properties, concentrated assets, and evolving lifestyle exposures.​

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Overview

Helping Financial Advisors Protect More Than Portfolios

Your clients trust you to help them build, preserve, and transfer wealth with confidence. While investment management, estate planning, and tax strategies are critical components of that process, insurance is often the foundation that protects everything else. Without the right coverage, even the most sophisticated financial plan can be impacted by an unexpected loss.

At Wheeler & Taylor Private Client Group, we partner with financial advisors throughout California to help protect high-net-worth individuals and families with customized insurance strategies designed around their unique assets, lifestyle, and long-term financial goals. Rather than approaching insurance as a standalone transaction, we view it as an integral component of a comprehensive wealth management strategy.

Our role is to complement the work you already do by identifying exposures that may otherwise go unnoticed, evaluating existing insurance programs, and developing solutions that align with your clients’ broader financial objectives. California’s affluent communities often experience unique wealth events and lifestyle transitions that require a more strategic approach to risk management. A company founder may experience a successful exit, an executive may accumulate significant equity compensation or restricted stock units (RSUs), or a family may acquire additional residences throughout California and beyond. These moments of financial growth can create new exposures that traditional insurance programs may not adequately address.

Working together allows you to provide 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 Advisory Team

Exceptional client relationships are built on trust, expertise, and collaboration. That’s why our approach is centered around becoming a seamless extension of your advisory practice rather than simply serving as another insurance resource.

We work alongside financial advisors to support existing client relationships, provide specialized insurance guidance, and help ensure each client’s risk management strategy aligns with their broader financial plan. Whether participating in client meetings, reviewing existing policies, or providing recommendations behind the scenes, our objective is always the same: strengthen your relationship while delivering exceptional service to your clients.

Because affluent individuals often experience significant life changes—purchasing additional properties, expanding investment portfolios, acquiring valuable assets, or transitioning family wealth — their insurance needs become increasingly complex. We help identify these evolving exposures before they become costly problems.

In markets such as Silicon Valley, Los Angeles, Orange County, Newport Beach, Atherton, Montecito, Beverly Hills, and Malibu, wealth is often tied to complex assets, concentrated investments, luxury properties, and rapidly changing financial circumstances. Our Private Client team helps identify exposures associated with founder liquidity events, stock concentration, executive compensation, coastal properties, wildfire risk, earthquake exposure, and the high rebuilding costs associated with California real estate.

Our collaborative approach allows financial advisors to remain focused on long-term wealth management while knowing their clients’ personal risk management is receiving the same level of attention and expertise.

High-Net-Worth Expertise

Specialized insurance strategies designed for affluent individuals, families, executives, and business owners.

Collaborative Planning

We work alongside financial advisors to integrate risk management into each client's broader financial strategy.

Proactive Risk Management

Identifying coverage gaps and emerging exposures before they become challenges for your clients.

Long-Term Protection

Ongoing policy reviews and proactive risk assessments that evolve as your clients' wealth and lifestyle change.

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 advisors identify hidden exposures, evaluate existing coverage, and develop insurance strategies that support broader wealth management goals. His role is to help advisors strengthen client relationships by providing a trusted resource for complex personal risk management.

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 ensuring your clients receive the same level of expertise and personalized service they expect from you. The right partnership should complement your advisory practice while providing specialized guidance for complex personal risk.

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 financial advisors as an extension of their team, helping identify insurance exposures, develop customized risk management strategies, and support affluent clients throughout every stage of their financial journey.

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, and multi-generational wealth, we design comprehensive insurance strategies that align with broader financial, estate, and legacy planning objectives.

Expert Advisor Review

Tailored Guidance​

Top Carrier Access​

Concierge-Level Service

Concierge-Level Service​

By partnering with Wheeler & Taylor, financial advisors 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 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 ensuring your clients receive the same level of expertise and personalized service they expect from you. The right partnership should complement your advisory practice while providing specialized guidance for complex personal risk.

At Wheeler & Taylor Private Client Group, Alex Kerhulas combines more than 15 years of Private Client experience with the resources of a nationally recognized independent agency. We work alongside financial advisors as an extension of their team, helping identify insurance exposures, develop customized risk management strategies, and support affluent clients throughout every stage of their financial journey.

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, and multi-generational wealth, we design comprehensive insurance strategies that align with broader financial, estate, and legacy planning objectives.

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, lifestyle, and financial position. As wealth grows, traditional insurance solutions may leave important exposures unaddressed. A comprehensive Private Client review helps identify potential gaps and ensures insurance strategies evolve alongside your clients’ financial goals.

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 coverage challenges.

Property Valuation Drift

Luxury residences, custom homes, and unique properties often require specialized valuation strategies to ensure coverage reflects current rebuilding costs and market conditions.

Liability Exposure

As clients accumulate wealth, personal liability risks increase. Appropriate umbrella protection and customized liability strategies help safeguard assets, income, and future wealth.

Complex Property Ownership

Many affluent California clients maintain primary residences along the coast, second homes in resort markets, and additional properties across multiple states, requiring a unified approach to valuation, liability, and catastrophe exposure.

Valuable Assets & Collections

Fine art, jewelry, collectibles, wine collections, and other high-value possessions often require specialized coverage beyond standard policy limits.

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 California households may also face additional considerations related to household staff, privacy concerns, travel, 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.

Wealth Transition & Newly Acquired Assets

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

A structured review ensures coverage evolves with real asset and exposure conditions.

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 financial plan.

Our Private Client advisors work collaboratively with financial advisors to evaluate existing insurance programs, identify opportunities for improvement, and develop customized protection strategies designed around each client’s assets, lifestyle, and long-term 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, and catastrophe 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 the property and its ownership structure. The result is a coordinated insurance position designed to respond cleanly in high-severity scenarios, not just pass underwriting review.

Discovery & Strategy

We start by identifying and understanding your unique exposures, coverage needs, and individual expectations. We will then work with you and your advisors to craft a customized insurance program that balances coverage, value, and your priorities.

Execution & Optimization

Market Execution & Placement

Development of a tailored coverage program is the hallmark of the customization and placement phase of your client experience. A complete canvassing of the market ensures that we secure the most favorable terms, conditions and pricing — all designed to exceed your expectations.

Oversight & Adaptation​

Ongoing Stewardship

We continuously monitor your insurance program through regular coverage evaluations, while proactively evaluating the marketplace for superior placement options.

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 and families protect the assets they’ve 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.

Alex works closely with financial advisors, estate planning attorneys, private bankers, and other trusted professionals to ensure insurance becomes a coordinated component of the 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 alike 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 advisors navigating complex insurance needs for affluent California clients.

Insurance plays an important role in protecting wealth, yet it is often overlooked in broader financial planning conversations. A private client insurance advisor helps identify personal risk exposures, coverage gaps, and opportunities to protect the assets and lifestyle clients have built.

A comprehensive insurance strategy helps protect accumulated wealth by addressing risks that could impact a client’s financial plan. This may include high-value residences, excess liability exposure, valuable assets, multiple properties, and evolving lifestyle needs.

Advisors often benefit from involving an insurance specialist when clients purchase significant assets, experience major life changes, acquire additional properties, build wealth, receive an inheritance, or require more sophisticated risk management solutions.

California clients may face unique exposures related to luxury properties, wildfire risk, high property values, liability concerns, valuable collections, and complex personal assets. A tailored private client approach helps ensure coverage reflects the client’s complete financial picture.

Wheeler & Taylor works alongside financial advisors as an extension of their team. We provide specialized insurance guidance, participate in client conversations when helpful, and deliver proactive recommendations that support the advisor’s broader wealth management strategy.

Common gaps include outdated coverage limits, insufficient liability protection, underinsured properties, overlooked valuable assets, and policies that no longer align with a client’s current wealth, lifestyle, or financial goals.

As clients accumulate assets, their insurance needs often become more complex. A private client review helps identify emerging risks and ensures insurance strategies evolve alongside their financial plan.

Yes. Many affluent clients own multiple residences, investment properties, valuable collections, and other significant assets. A coordinated private client strategy helps simplify coverage while addressing the unique risks associated with complex wealth.

Private client insurance goes beyond standard coverage by focusing on personalized advice, proactive risk management, higher service expectations, and solutions designed around the client’s overall financial profile.

Wheeler & Taylor Private Client Group provides financial advisors with a trusted insurance partner focused on protecting client wealth, strengthening relationships, and delivering personalized risk management guidance. Our team works collaboratively with advisors, attorneys, and other trusted professionals to identify complex exposures and develop insurance strategies that complement each client’s broader financial plan.

A private client insurance review provides an opportunity to evaluate existing coverage, identify potential gaps, and ensure insurance decisions align with the client’s broader goals for wealth preservation and lifestyle protection.

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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