What Is the Value of Time?

Individuals & Families

An individual or family navigating the complexity of significant, multigenerational wealth and seeking a trusted partner for stewardship, strategy, and legacy.

Family Offices

A privately held company managing the financial, legal, and personal affairs of a wealthy family, providing tailored support with discretion and foresight.

Institutions

A mission-driven foundation, endowment, or organization seeking strategic financial oversight, governance support, and long term impact.

*As of October 6, 2025, including affiliate firms. **Pathstone Family Office LLC ($116B) plus affiliate firms ($55B). As of June 30, 2025. Includes regulatory assets under management, assets under advisory, and assets under administration. Please see Pathstone's ADV on adviserinfo.sec.gov for more information.

Pause to rethink how you spend this precious commodity

Time has a way of revealing patterns: what we’ve built, what we’ve cherished, and what we’ve overlooked. As another year closes, it’s an opportunity to reflect on how we spend our time — and how we want to fill the years ahead.

Perspective often comes when we see time differently

If you draw a circle and split it into slices – e.g., work, social commitments, personal business, mental and physical health, family – what would that pie look like? What would you prefer it to look like? How do you see it evolving over time?

Each year may look different, but together they create a mosaic of how time is spent. While most of us can identify gaps between the ideal and the reality of our complex lives, taking action to adjust the size of each “slice of pie” is more challenging.

Making intentional choices

Pathstone’s personal CFO services team works with our clients to bring structure to complexity—coordinating bill pay, cash flow, accounting, and reporting across homes, entities, and trusts. Our goal is to help clients gain back time by bringing professional rigor to daily financial operations and lifestyle management.

Take the time this holiday season to consider how you spend your time, the value of your time, and ways to free more time for fulfilling pursuits.

For more year-end guidance, please see these articles:

What Matters Most to You — This Season and Beyond? Creating a long-term vision and strategy

Head into Year-End with Confidence: 2025 year-end planning considerations

2025 Year-End Planning Checklist: Guidance for reviewing your financial – and non-financial – wealth

Protect Your Digital Life: Guidance for managing cybersecurity risk

Strengthen Relationships for Today and Tomorrow: Setting the table for success

Will You Do More with Your Philanthropy This Year? Check gifting plans before year-end

Strategic Business Planning Opportunities: New possibilities for proactive and strategic planning

Keeping Yourself—and the Season—Merry and Bright: Prepare for the holidays with a focus on health

DISCLOSURES

Pathstone provides a wide range of services to help clients pursue their financial goals. References to specific services are illustrative and may not be available in all situations. Engagement with Pathstone does not guarantee specific outcomes. Additionally, some services may be delivered by third-party service providers, either engaged by Pathstone or directly by clients, and are subject to separate agreements. Pathstone makes no warranties regarding third-party services and assumes no liability for their use. 

As a registered investment adviser, Pathstone does not offer legal advice, and registration does not imply a certain level of skill. While Pathstone may offer accounting and tax services, clients should consult qualified professionals as needed. 

This presentation is not an offer to sell or a solicitation to buy any investment product. For detailed service descriptions and disclosures, refer to Pathstone’s Form ADV, available upon request or via the SEC’s Investment Adviser Public Disclosure website. 

Opinions expressed are based on assumptions and may change without notice. Past performance is not indicative of future results. There is no assurance that investment objectives will be met or that losses will be avoided. Diversification does not guarantee profit or protect against market loss.

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