Michelle Kultgen

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. Michelle brings more than 20 years of experience advising high-net-worth individuals, families, closely held business owners, and charitable organizations.

Prior to joining Waterloo, Michelle was Executive Director and Senior Trust Advisor at Wells Fargo Bank in Austin, Texas, where she served as a subject matter expert on gift and estate tax issues, wealth transfer planning, and fiduciary advice. Previously, she was Counsel at Pillsbury Winthrop Shaw Pittman LLP in Washington, D.C., and Associate at Cravath, Swaine & Moore LLP in New York. Michelle began her career with Paloma Partners Management Company, a Greenwich, Connecticut hedge fund.

Michelle is a graduate of Princeton University, where she earned her Bachelor of Science in Engineering in Civil Engineering and Operations Research. She also earned a Juris Doctor from Columbia University Law School. Michelle is a licensed attorney in New York, Texas, and the District of Columbia, and a member of the Estate Planning Council of Central Texas.