Michelle Kultgen

Family Office Services Managing Director

Michelle Kultgen is Managing Director at Waterloo Capital Family Office Services. She is responsible for delivering comprehensive advice, management and strategic planning to family offices with a focus on integrating investment, tax, legal, asset protection and philanthropic goals into each client’s wealth plan. In her role, Michelle manages the overall client relationship while providing deep expertise on gift and estate tax planning and wealth transfer strategies.  Michellebrings more than 20 years of experience advising high-net-worth individuals, families, closely held business owners and charitable organizations through roles in the financial services and legal industries. 
 
Prior to joining Waterloo, Michelle was Executive Director and Senior Trust Advisor at Wells Fargo Bank in Austin, Texas. In that position, she served as a subject matter expert on gift and estate tax issues, wealth transfer planning, fiduciary advice, and trust and estate solutions and managed fiduciary relationships with high-net-worth clients.  Previously, Michelle was an attorney representing ultra-high-net-worth clients as Counsel at Pillsbury Winthrop Shaw Pittman LLP in their Trusts and Estates practice group in Washington, District of Columbia, and Associate at Cravath, Swaine & Moore LLP in their Trusts and Estates practice group in New York, New York.  Michelle began her career with Paloma Partners Management Company, a Greenwich, Connecticut hedge fund.  
 
Michelle is a graduate of Princeton University in Princeton, New Jersey, where she earned herBachelor of Science in Engineering degree in Civil Engineering and Operations Research with a concentration in Engineering Management Systems. She also earned a Juris Doctor degree fromColumbia University Law School in New York, New York.  Michelle is a licensed attorney in the State of New York, State of Texas and District of Columbia and a member of the Estate Planning Council of Central Texas.