CNBC List of Top Money Managers for Very Rich People
CNBC List of Top Money Managers for Very Rich People
CNBC 超高淨值人士頂級資產管理公司名單
Introduction
CNBC has a new list for 2026. It shows 25 top companies that help very rich people manage their money.
CNBC 發布了 2026 年的新名單，列出了 25 家協助超高淨值人士管理資產的頂級公司。
Main Body
Very rich people have $20 million or more. In the US, about 442,000 families have this much money. Many of these people started their own businesses or got money from their parents.
超高淨值人士是指擁有 2,000 萬美元或以上資產的人。在美國，約有 442,000 個家庭擁有如此 amount 的財富。許多此類人士是透過創業或從父母繼承獲得資金。
Money companies want these rich clients. These clients have a lot of money and it is safe. The companies help these families with taxes and gifts. They also help the family live a good life.
資產管理公司非常渴望爭奪這些富豪客戶。這些客戶擁有大量資金且安全性高。這些公司會協助這些家庭處理稅務與贈與，並幫助該家庭享有高品質的生活。
Some companies are small and some are big banks. They charge a small fee to manage the money. CNBC looked at 100 companies. They chose the 25 best ones.
有些公司規模較小，而有些則是大型銀行。他們會收取小 amount 的管理費來管理資產。CNBC 調查了 100 家公司，並選出了其中最優秀的 25 家。
Conclusion
More companies want to help rich families. These families need special help to keep their money for many years.
越來越多公司希望協助富豪家庭。這些家庭需要專業的協助，才能將財富長久地傳承多年。
Vocabulary Learning
💡 The 'Size' Pattern
In this text, we see a simple way to describe how big or small something is. To reach A2, you need to move from just saying "big" to using a few more useful words.
1. The Basics
- Small (A small fee / Some companies are small)
- Big (Big banks)
- Very rich (Very rich people)
2. The 'Very' Trick When "big" or "rich" is not enough, we add very. It makes the word stronger.
- Rich Very rich (Millionaires)
- Big Very big (Giant companies)
3. Simple Numbers as Sizes Sometimes, we don't use words like "big." We use numbers to show the size of the money:
- \rightarrow$ This is the "size" of the wealth needed for this list.
Quick Tip:
If you want to describe your house, your city, or your family, use this pattern:
[Subject] + [is/are] + [Very] + [Size Word]
- Example: My city is very big.
Vocabulary Learning
CNBC Launches Elite Advisors Index for Ultra-High Net Worth Wealth Management
CNBC 為超高淨值財富管理推出「精英顧問指數」
Introduction
CNBC has announced its Elite Advisors list for 2026, featuring 25 top wealth management firms that specialize in serving ultra-high net worth (UHNW) individuals and family offices.
CNBC 已公布 2026 年的精英顧問名單，其中包含 25 家專門服務超高淨值 (UHNW) 個人與家族辦公室的頂尖財富管理公司。
Main Body
Ultra-high net worth households are generally defined as those with $20 million to $30 million in investable assets. According to data from Cerulli Associates, about 442,000 U.S. households met these criteria in 2024, which is 0.3% of the population. This group controls $22.5 trillion in assets, showing a significant increase since 2010. Most of these wealthy individuals are entrepreneurs (37%), people who inherited wealth (24%), or corporate executives (13%).
超高淨值家庭通常定義為擁有 2,000 萬至 3,000 萬美元可投資資產的家庭。根據 Cerulli Associates 的數據，2024 年美國約有 442,000 個家庭符合此標準，佔總人口 0.3%。該群體控制著 22.5 兆美元的資產，自 2010 年以來顯著增加。這些富裕人士大多為創業家 (37%)、繼承財富者 (24%) 或企業高管 (13%)。
Many financial firms are now focusing on this segment because these clients provide more stability and prestige. Furthermore, firms are competing for these accounts to maintain profits while facing challenges from new technology and industry mergers. Unlike traditional financial advice, the focus here is on managing complex family dynamics. This includes coordinating taxes and estates, planning charitable giving, and providing lifestyle concierge services.
許多金融公司現在將重心放在這個細分市場，因為這些客戶能提供更高的穩定性與聲望。此外，在面對新技術與行業合併的挑戰時，公司正競爭獲取這些帳戶以維持利潤。與傳統的理財建議不同，這裡的重點在於管理複雜的家庭動態，包括協調稅務與遺產、規劃慈善捐贈以及提供生活禮賓服務。
There are different types of providers, ranging from private banks to single-family offices, which often require at least $150 million to $200 million in assets. Most firms charge a fee based on the total assets they manage, although some use flat fees for specific tax planning. To create this list, CNBC worked with AccuPoint Solutions and Cerulli Associates to evaluate over 100 firms based on their size, service quality, and professional reputation.
供應商類型不一，從私人銀行到單一家族辦公室皆有，後者通常要求資產至少達到 1.5 億至 2 億美元。大多數公司根據管理資產總額收取費用，儘管部分公司針對特定稅務規劃收取固定費用。為了制定此名單，CNBC 與 AccuPoint Solutions 及 Cerulli Associates 合作，根據公司規模、服務品質與專業聲譽評估了 100 多家公司。
Conclusion
The UHNW wealth management sector is growing quickly and becoming more competitive, which means clients now need highly specialized services to manage their complex family estates.
超高淨值財富管理領域成長迅速且競爭日益激烈，這意味著客戶現在需要高度專業化的服務來管理其複雜的家庭遺產。
Vocabulary Learning
The 'Precision Pivot': Moving from Basic to Sophisticated Description
At the A2 level, you likely use words like rich, big, or hard. To reach B2, you must stop using general words and start using precise professional terminology.
Look at how the article transforms basic ideas into "high-level" B2 English:
- Instead of "Very Rich People" Use "Ultra-High Net Worth Individuals"
- Instead of "Big Problems" Use "Complex Family Dynamics"
- Instead of "Good Name" Use "Professional Reputation"
⚡ The B2 Grammar Secret: The "Passive Result"
Notice this sentence: "Ultra-high net worth households are generally defined as..."
An A2 student says: "People define rich families as..." (Active Voice)
A B2 student says: "Families are defined as..." (Passive Voice)
Why this matters: In professional English, the person doing the action is often less important than the concept. Using the passive voice makes you sound objective and academic rather than conversational.
🛠️ Vocabulary Upgrade Map
| A2 Word | B2 Upgrade from Text | Contextual Use |
|---|---|---|
| Money | Investable Assets | Money that is ready to be put into a business. |
| Giving | Charitable Giving | Donating money to help others. |
| Helping | Concierge Services | Specialized, high-end personal assistance. |
| Part | Segment | A specific piece of a larger market or group. |
Pro Tip: To bridge the gap, don't just learn new words; learn collocations (words that naturally live together). Don't just learn 'assets'; learn 'investable assets'.
Vocabulary Learning
Establishment of the CNBC Elite Advisors Index for Ultra-High Net Worth Wealth Management
為超高淨值財富管理而設立的 CNBC 精英顧問指數
Introduction
CNBC has introduced the Elite Advisors list for 2026, identifying 25 premier wealth management firms specializing in the service of ultra-high net worth (UHNW) individuals and family offices.
CNBC 推出了 2026 年的精英顧問名單，選出 25 家專門服務超高淨值 (UHNW) 個人與家族辦公室的頂尖財富管理公司。
Main Body
The identification of UHNW households typically involves a threshold of $20 million to $30 million in investable assets, although some institutional definitions extend to a total net worth of $50 million. Data provided by Cerulli Associates indicates that as of 2024, approximately 442,000 U.S. households met these criteria, representing 0.3% of the population. This demographic controlled $22.5 trillion in investable assets, a significant increase from the 10% share of total U.S. investable wealth held by this group in 2010. The composition of this segment is primarily comprised of entrepreneurs (37%), inheritors (24%), and corporate executives (13%).
定義超高淨值住戶通常涉及 2,000 萬至 3,000 萬美元的可投資資產門檻，儘管部分機構定義將其擴展至總淨資產 5,000 萬美元。Cerulli Associates 提供的數據顯示，截至 2024 年，約有 442,000 個美國住戶符合這些標準，佔人口 0.3%。此族群掌控著 22.5 兆美元的可投資資產，較 2010 年該群體佔美國總可投資財富 10% 的份額顯著增加。此區塊的組成主要包括創業家 (37%)、繼承人 (24%) 以及企業高管 (13%)。
Institutional positioning within this sector has shifted toward the UHNW segment due to the perceived stability of assets and the prestige associated with such clientele. Consequently, wealth management firms are increasingly competing for these accounts to mitigate the profitability pressures exerted by technological disruption and industry consolidation. The service model for this echelon differs fundamentally from traditional financial advisory; while investment management remains a component, the primary focus is the administration of complex intergenerational dynamics. This encompasses tax and estate coordination, philanthropic strategies, family governance, and lifestyle concierge services.
由於資產的穩定性以及與此類客戶相關的聲望，該領域的機構定位已向超高淨值區塊轉移。因此，財富管理公司正日益競爭這些帳戶，以緩解技術顛覆和行業整合所帶來的獲利壓力。此層級的服務模式與傳統財務顧問截然不同；雖然投資管理仍是一個組成部分，但核心焦點在於管理複雜的跨代動態。這涵蓋了稅務與遺產協調、慈善策略、家族治理以及生活禮賓服務。
Structural variations exist among service providers, ranging from single-family offices—which may require minimums of $150 million to $200 million—to multifamily offices and private banks. Compensation models predominantly rely on assets under management (AUM) fees, which averaged 0.54% in 2025, though flat-fee structures and a la carte pricing for specialized tax planning are also utilized. The CNBC methodology, developed in consultation with AccuPoint Solutions and Cerulli Associates, evaluated over 100 firms based on scalability, asset volume, service sophistication, and professional credibility.
服務提供者之間存在結構性差異，範圍從單一家族辦公室（可能要求 1.5 億至 2 億美元的最低門檻）到多家族辦公室和私人銀行。補償模式主要依賴資產管理規模 (AUM) 費用，2025 年平均為 0.54%，儘管也採用固定費用結構和針對專業稅務規劃的單項定價。CNBC 的評選方法在與 AccuPoint Solutions 和 Cerulli Associates 諮詢後開發，根據可擴展性、資產規模、服務精細度及專業公信力評估了 100 多家公司。
Conclusion
The UHNW wealth management sector is characterized by rapid growth and increasing institutional competition, necessitating highly specialized advisory services for the management of complex, multigenerational estates.
超高淨值財富管理領域的特點是快速成長與機構競爭日益激烈，因此需要高度專業的顧問服務來管理複雜的跨代遺產。
Vocabulary Learning
The Architecture of Nominalization and 'Weighty' Prose
To ascend from B2 to C2, a student must move beyond action-oriented writing and master concept-oriented writing. This text is a masterclass in Nominalization—the process of turning verbs or adjectives into nouns to create a sense of objectivity, authority, and density.
⚡ The Linguistic Pivot
Notice how the text avoids saying "Firms are positioning themselves differently because they want to be stable," and instead employs:
*"Institutional positioning within this sector has shifted... due to the perceived stability of assets..."
The C2 Mechanism: By replacing the action (positioning themselves) with a noun phrase (Institutional positioning), the writer removes the 'agent' and focuses on the 'phenomenon.' This is the hallmark of high-level academic and corporate English.
🔍 Dissecting the "Density Chain"
Consider this sequence: "...mitigate the profitability pressures exerted by technological disruption and industry consolidation."
- B2 Approach: "...stop the loss of profit caused by new technology and companies joining together."
- C2 Execution: Three abstract nouns (profitability pressures, technological disruption, industry consolidation) act as the primary drivers of the sentence.
Key Insight: In C2 English, nouns do the work that verbs used to do. This allows for the packing of immense amounts of data into a single clause without losing grammatical cohesion.
🛠 Applying the "Abstract Weight" Strategy
To emulate this, transition your thinking from Process Entity:
| B2/C1 (Process-based) | C2 (Entity-based) | Effect | | :--- | :--- | :--- | own | | The way the family governs itself is complex. | Family governance is characterized by complexity. | Shifts focus to the system. | | They are competing for accounts to make more money. | Competition for accounts aims to mitigate profitability pressures. | Professionalizes the tone. | | They have a model that provides services. | The service model for this echelon differs... | Creates a conceptual object. |
C2 Synthesis: The "sophistication" mentioned in the text isn't just about the wealth management—it is mirrored in the syntax. Mastery involves the deliberate use of heavy noun phrases to establish a detached, authoritative, and analytical distance from the subject matter.