Ultra-wealthy individuals typically do not rely on standard retail brokerage accounts the way most investors do. Billionaires generally work through private banks and the dedicated wealth-management arms of major institutions, such as Goldman Sachs Private Wealth Management, J.P. Morgan Private Bank, Morgan Stanley Private Wealth Management, UBS, and Bank of America’s private banking division. Many also establish family offices, which are private firms set up to manage the investments, taxes, estate planning, and even philanthropy of a single wealthy family. These arrangements provide access to services that retail platforms do not, including private equity, hedge funds, direct deals, customised lending, and sophisticated tax and trust structures. For custody of assets, large firms like Fidelity, Charles Schwab, and BNY also serve very large clients. The common thread is personalised, relationship-driven service and access to exclusive investments, rather than the self-directed trading apps familiar to everyday investors. For people who are not billionaires but want a similar coordinated approach, working with a fiduciary financial advisor who offers comprehensive planning is the more realistic path.