With a prestigious background at Goldman Sachs, JPMorgan, and Fidelity, and a Juris Doctor from Suffolk University Law School, Jennifer brings over a decade of experience serving ultra-high-net-worth individuals and families.

In this exclusive interview, Jennifer shares her journey from traditional wealth advisor to thought leader in holistic wealth. From redefining value through her 5 Principles of Invisible Wealth to the surprising vulnerability clients reveal in legacy planning, Jennifer offers a future-forward yet deeply human perspective on what it truly means to be wealthy, especially across generations.

Your book Invisible Wealth redefines wealth. What inspired you to explore this idea so deeply, and what response has most surprised you from readers?

You’re exactly right—Invisible Wealth is all about redefining wealth. And the inspiration was two-fold: insights and intuition.

1. While I was in the wealth management advisor seat, and through thousands of client conversations, I started to notice that mindsets were shifting. I started to notice that people were becoming increasingly interested in thinking about wealth in a holistic, multi-dimensional way. People are starting to revisit and redefine wealth.

2. Plus, intuition told me that these insights were mere glimpses of what’s to come, because technological advancements and societal shifts are ushering in a new wealth paradigm. This new wealth paradigm is providing us with an incredibly unique opportunity to revisit what we value. And when we revisit value, we inherently revisit wealth because we’re wealthy when we have an abundance of what we value. This is the premise Invisible Wealth puts forth.

What’s surprised me the most is how eager people are to engage in this conversation—and how open and vulnerable they’re willing to be. It’s really remarkable.

With your background in law and top-tier wealth institutions, how has your personal definition of wealth evolved over time?

Great question! My personal definition of wealth has definitely evolved over the years. And this reality and recognition influenced my decision to step away from the wealth management advisor seat, because I started to prioritize certain assets over others. Said differently, I started to prioritize my time, energy, and experiences (Principle 4 of Invisible Wealth) over money and investment (Principle 1 of Invisible Wealth).

In your work with ultra-high-net-worth individuals and families, what common patterns or questions do you see emerging around purpose and meaning?

In my work with ultra-high-net-worth individuals and families, a consistent theme is the quiet search for meaning beyond money. Wealth holders are increasingly interested in transferring both value and values. While at the same time, the next generation is increasingly interested in creating value predicated on values. Across generations, there’s a growing desire to explore the relationship between self and wealth—through the lens of values, goals, and legacy. It’s a privilege to engage in these conversations and help shape the thinking that supports such meaningful transitions.

Can you walk us through your “5 Principles” framework and how individuals and families can use it as a compass in wealth planning?

Absolutely! As we know, we’re in the midst of a huge paradigm shift, which is inviting us to revisit and redefine wealth. People are increasingly interested in thinking about wealth beyond money. With that, the 5 Principles of Invisible Wealth provide a framework for this more expanded, multi-dimensional interpretation of wealth.

And here’s the thing: if the new definition of wealth is that you’re wealthy when you have an abundance of what you value—the question becomes: what do you value and why? With that, the 5 Principles present groups of assets that we go through life wanting to attain more of, albeit perhaps at different points in time in our lives. Each of the 5 Principles presents different assets—or aspects—of our lives, which are all inherently valuable to the human experience. 

Here they are:

1. Money and Investment

2. Health and Quality of Life

3. Knowledge, Status, and Influence

4. Time, Energy, and Experiences

5. Relationship with Self and Others

Individuals can use the 5 Principles of Invisible Wealth framework as a tool for thinking through what they’re valuing most and why. I’ve developed additional frameworks and methodologies to help people get clear on their values, goals, and legacy. This personal clarity is foundational in building family cohesion. Why? Because a person can only communicate their values, goals, and legacy to the extent that they understand them. Once individuals gain this clarity, it becomes easier for them to communicate and connect with family members in a more intentional and meaningful way. Therefore, creating family cohesion starts with finding personal clarity.

You focus a lot on the power of words in your work. Why do you think words and narratives are so powerful when discussing multi-generational legacy?

I often say that words architect our lives. In fact, we can expand or contract our reality by virtue of the words we use. Why? Because they provide the structure for our thoughts, values, goals—and ultimately, our legacy.

This is why I’m so fixated on words, because your legacy depends on them. Your legacy depends on your ability to communicate clearly and to find shared definitions, goals, and visions across generations. When families intentionally use language to define what matters most, they create a living narrative—one that can be passed down, adapted, and lived into by future generations. The intentional use of language has the power to transfer wealth far beyond the dollars.

After all, ensuring a multi-generational legacy starts with the ability to create a shared narrative within a family story.

Finally, what’s next for Invisible Wealth Consulting? Are there any exciting projects or areas of exploration on your horizon?

Yes! I love working closely with individuals and families, and now I’m expanding that work to include organizing family summits and retreats. The intention behind these gatherings is to create space for shared experiences and deeper alignment among family members. I’m especially excited about this work because there’s something incredibly powerful about dedicating uninterrupted time to the conversations that matter most. These moments—when families come together to explore values, goals, and legacy—are truly priceless.

Conclusion:

Jennifer Wines is inviting the world to look inward when thinking about wealth. Her work transcends financial planning: it’s about shaping legacies through real values, valuable relationships, and the right language. 

As Invisible Wealth Consulting expands into bespoke family retreats and summits, Jennifer continues to lead a vital conversation: one that helps families not only preserve assets, but define the purpose behind them. Her frameworks provide the clarity and connection that future generations need most.