Wealth managers provide comprehensive, holistic advice in a broad range of financial and related areas to mid- to high-net-worth clients. They take a comprehensive approach to the financial situation of higher-net-worth clients, versus working with an advisor focused solely on financial planning or investment management. Wealth management services include investment management, financial planning, tax planning, estate planning, accounting and tax services, retirement planning, and legal assistance. Wealth managers generally provide financial services to the highly affluent and may have expertise in the types of financial questions that affect the ultrawealthy, such as how to reduce the estate tax. They often work with clients with a higher net worth than a financial planner might. Wealth managers may work as part of either a small-scale business or a larger firm, one generally associated with the finance industry. Wealth management strategies will vary based on the specific needs of the client, and the reason to use a wealth management firm is to seek strategies to help maintain and grow total wealth.