| Skybound Wealth

About Kumar

Kumar Patel is a fee-based fiduciary adviser who works with U.S. residents and internationally connected families facing the financial complexity that arises when assets, income, and family lives span multiple countries.

He began his career in corporate finance within a global banking environment, where he developed a disciplined approach to capital management, risk, and long-term decision-making. He later transitioned into private wealth advisory, supporting individuals and families across the United States and internationally. Having lived and worked in major financial centres including New York, San Francisco, and London, Kumar brings a global perspective while remaining firmly grounded in U.S. tax and regulatory realities.

Kumar’s work focuses on helping clients bring structure and clarity to complex financial situations. He advises on portfolio construction, retirement planning, and long-term wealth organisation, with particular attention to how U.S. tax rules interact with overseas assets and future life decisions. His earlier work alongside advisers through financial technology platforms further strengthened his ability to translate technical strategies into practical, understandable outcomes.

Today, Kumar advises through Skybound Wealth Management USA, working with U.S. citizens, dual nationals, and globally mobile families who want confidence that their financial decisions are aligned with both their current lives and long-term goals. His approach is planning-led, client-first, and focused on reducing unnecessary complexity while helping families make informed decisions across generations.

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Qualifications & Awards

Regions

Years at Skybound

Kumar has worked at Skybound Wealth since 2025.

Areas of Expertise

401(k) rollovers
403(b) rollovers
IRA rollovers
Startup exit and buyout liquidity planning
Lump sum investing and inheritance strategy
Concentrated stock, RSUs and equity compensation planning
Retirement income strategy
Legacy planning and multigenerational wealth
Cross-border wealth planning for globally connected families
Goal-based wealth strategy and cash flow planning

What Can I help With

401(k), 403(b) and IRA rollovers: evaluating options, executing cleanly, and building a retirement structure aligned to your goals
Startup exits and buyouts: turning liquidity into a long-term plan, managing concentration risk, and investing with clear guardrails
Lump sums and inheritances: protecting capital, setting decision rules, and building a strategy that lasts
Cross-border wealth planning: simplifying structures when assets or family span jurisdictions
Legacy planning: aligning assets, beneficiaries, and family intent across generations

How clients experience the work

Clear next steps, documented decisions, and a repeatable review cadence
Fewer moving parts, cleaner visibility, and reduced administrative friction
A plan that respects real family priorities, including multigenerational responsibilities

FAQs

Should I roll over my 401(k) or 403(b), or keep it where it is?

There are multiple routes and one is usually clearly better once you compare fees, flexibility, and your retirement income plan. A quick review typically surfaces the simplest, lowest-friction option.

What are the most common mistakes people make during a rollover?

Most rollover pain comes from avoidable execution mistakes and unintended tax outcomes. The right process keeps it clean, documented, and aligned to what you’re actually trying to achieve.

After a startup exit, what should I do in the first 30–90 days?

The first 90 days decide whether new money becomes freedom or stress. We put guardrails around tax, cash, concentration risk, and investing so decisions stay calm and intentional.

How do you approach investing a large lump sum without regret?

Lump sums trigger emotional decision-making. We replace instinct with a staged plan, clear rules, and a portfolio built around your life, not market noise.

How do you help families build a legacy plan that is actually executed?

Legacy breaks when it’s fragmented or out of date. We align the moving parts, document the plan, and keep it current so your family inherits clarity, not confusion.

I have assets in more than one country. Where do I start?

Cross-border issues rarely arrive as one big problem, they stack quietly over time. A short review usually identifies the highest-impact simplifications first.

How do you support Indian and Asian families with multigenerational planning?

Supporting parents and building the next generation’s future can be done without quietly sacrificing your own security. We structure support with boundaries, purpose, and a legacy plan that lasts.