Podcast: From Human Capital to Estate Planning
Libretto Team
In this episode of WealthTech Today, Jeff Coyle, Founder and CEO of Libretto, discusses a comprehensive approach to financial planning that goes beyond traditional risk questionnaires and Monte Carlo analysis. He explains how Libretto helps advisors align planning and portfolio decisions with a client’s priorities, liabilities, and long-term objectives, rather than relying on generalized risk preferences.
The conversation also explores the idea of “total wealth,” including the often overlooked value of human capital, future earnings, and Social Security benefits in a family’s financial picture. Jeff shares how this framework can help advisors deliver a more personalized experience to a broader range of clients.
Listen to the podcastImportant disclosure:
This interview was conducted by Craig Iskowitz of Ezra Group. Ezra Group is not affiliated with Libretto, nor was Ezra Group compensated by Libretto for conducting or publishing this interview. Ezra Group is not a client of Libretto, nor does Ezra Group endorse or recommend Libretto’s services.
This material is being provided for informational and educational purposes only and nothing contained herein should be considered, or is, investment advice or a recommendation to buy or sell any securities. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.
Libretto provides advisory services to registered investment advisors and other professional advisors and does not advise individual clients. Individuals should consult their personal financial advisor or a licensed securities professional before investing.
Libretto LLC (“Libretto”) is an SEC-registered investment advisor; however such registration does not imply a certain level of skill or training and no inference to the contrary should be made. Information about Libretto, including the services provided, the types of clients Libretto accepts and fees charged, is available on Libretto’s Form ADV Part 2A at www.adviserinfo.sec.gov. For additional information and disclosures, please see Libretto’s full disclosures.