The New Blueprint for Ultra-Wealth: Why Top Advisors Go Independent

CLEARWATER, FL – December 11, 2025 – In a move that signals a significant evolution in the wealth management landscape, veteran advisor Kevin Karrh has launched K|H Private Wealth and aligned with the independent platform Indivisible Partners. This decision by Karrh, a respected advisor with over 25 years of experience, is more than a simple change of letterhead; it represents a deliberate pivot away from traditional brokerage models toward a more agile, specialized ecosystem designed for the complex needs of ultra-high-net-worth (UHNW) families and single-family offices (SFOs). The partnership underscores a powerful trend: elite advisors are increasingly seeking independence to deliver the institutional-grade capabilities and holistic planning their sophisticated clients demand.

For decades, the largest financial institutions, or “wirehouses,” were the default home for top-tier advisors. However, a growing cohort is now “breaking away,” driven by a desire for greater autonomy, a client-first fiduciary structure, and the ability to build a truly bespoke service offering. Karrh’s transition, leaving his role as a Managing Director at Stifel to found his own firm, is a prime example of this industry-wide shift. The move to an independent platform like Indivisible Partners allows K|H Private Wealth to escape the constraints of proprietary products and corporate mandates, enabling the team to architect solutions that are solely in their clients' best interests.

Architecting a New Model for Ultra-Wealth

The decision to establish K|H Private Wealth was born from the recognition that UHNW families require more than just investment management. Their financial lives are intricate webs of business interests, trusts, philanthropic goals, and complex family dynamics. Addressing this requires a move beyond standard portfolio allocation toward what Karrh describes as “multi-generational architecture.” This approach focuses on building durable financial structures designed to withstand economic cycles and successfully transition wealth and values to subsequent generations.

At the core of the firm's methodology is its proprietary “Wealth Playbook.” This isn't a static document but a dynamic framework that orchestrates every facet of a family's financial life. It integrates investment strategy with sophisticated tax planning, estate design, and crucially, family governance. In an era defined by the “Great Wealth Transfer,” where trillions of dollars will move between generations, establishing clear governance and preparing heirs for stewardship is paramount. The playbook aims to provide clarity and a coordinated structure, helping families navigate complex decisions and preserve their legacy with intention.

"I founded K|H Private Wealth because families need an advisor who can lead across generations, not just manage investments," said Karrh. "Independence enables a higher standard of execution—planning integration, governance, private investment access, and the sophistication required for complex families."

This higher standard includes providing institutional-grade capabilities. For UHNW clients, this means curated access to private market investments—such as private equity, credit, and real estate—that offer diversification and return potential beyond public markets. It also involves advanced risk management and a technology stack built for transparency and efficiency, rather than one inherited from a legacy institution.

The Platform Powering Independence

While independence offers freedom, it also presents challenges in scale and resources. This is where a firm like Indivisible Partners becomes a critical enabler. Launched in late 2024 by a team of industry veterans, including former Merrill Lynch Wealth Management head John Thiel, Indivisible was built to be a destination for elite advisors seeking to own their business without sacrificing institutional support.

Indivisible provides the operational backbone—compliance, technology, and access to investment platforms—that allows firms like K|H Private Wealth to focus on serving clients. Its model is designed to attract entrepreneurial advisors by offering not just operational support but also equity ownership in the broader Indivisible enterprise. This creates a powerful alignment of interests, fostering a collaborative culture of shared success. The firm’s rapid growth, attracting practices like New York-based Woodring | LeRoy Capital Advisors and Colorado-based Ride Wealth Partners within its first year, demonstrates the powerful appeal of its value proposition.

Technologically, Indivisible has made strategic choices to empower its advisors. Its platform is built on modern systems like Advyzon and includes an exclusive partnership with Wealth.com for estate planning technology. This integration allows advisors to seamlessly incorporate complex estate and legacy planning into their client conversations, a critical component of the multi-generational architecture K|H Private Wealth champions.

"Kevin embodies the leadership, integrity, and multi-disciplinary thinking that define Indivisible's mission," commented John Thiel, Founder and Executive Chairman of Indivisible. "His forward-thinking approach, deep technical capability, and commitment to excellence align perfectly with our vision."

Beyond Portfolio Management: The Future of Family Legacy

The partnership between K|H Private Wealth and Indivisible Partners is a microcosm of the future of wealth management for the most affluent families. The focus is shifting decisively from a singular emphasis on investment returns to a holistic and integrated stewardship of family capital—financial, intellectual, and social. Advisors are no longer just asset managers; they are chief strategists for a family’s entire enterprise.

By bringing on Karrh's team, which includes Partner and Senior Financial Advisor Zachary S. Hope, CPWA®, CPFA™, Indivisible is deepening its expertise in specialized areas like business-owner transitions and concentrated equity management. This collective expertise allows the platform to serve as a comprehensive resource for families navigating the complexities of their wealth.

As the economic landscape continues to shift, the ability to provide integrated advice across tax, estate, and investment domains becomes a key driver of resilience. The independent model, supercharged by modern platforms, appears uniquely positioned to deliver this level of integrated service. For UHNW families, this evolution means access to advisors who can act as true fiduciaries and architects, building legacies designed not just to survive, but to thrive for generations to come.