Multi Family Office
The Clients of Cluster Family Office enjoy an extensive portfolio of global services
created to give a personalized answer to all the needs of a Family. Integral services
for those Clients who look for an external and totally independent family wealth
management, provided by a multidisciplinary team of specialists in each matter.
High-net or medium level Clients, as well as people that have received sudden
fortunes (inheritances, lottery, …), who wish to delegate in an external and
professional team the management of their wealth, or even those who wish to
educated themselves to co-manage their assets in the future through the team of
Cluster Family Office.
Global Wealth Management (GWM)
Process of analysis, evaluation and integral execution that will determine the
guidelines to follow, in the present and future, in the management of the global
wealth of the Client.
Wealth restructure and adaptation (corporate, real estate, and financial assets) to
the vital objectives of each Family.
Elaboration of the Vital Balance and personalized semiannual summaries.
Integration of the habitual team of advisors of the family
Integration of advisors, internal or external, which have previously provided
advice to the family and have their trust. Acquiring the services of a MFO does
not suppose the exclusion of these professionals; on the contrary, they can be
integrated to the new wealth management structure and coordinates their services
with the ones from Cluster Family Office.
- Integration and formation of the habitual team of advisors of the family with our
services. Possible evolution towards the creation of a Single Family Office (if the
volume of wealth permits it and if that is the client’s desire).
- Complementation, coordination, and supervision of the existing collaborators
team with the services of Multi Family Office, for those less-defined structures,
with smaller fortunes or for those Clients that do not wish to maintain an internal
wealth management team.
Financial Management
- Financial Strategy:
Advice to determine the plan to follow in the future regarding the financial assets
of the Client. Execution and continuous monitoring of the financial strategy and
adaptation to changing economic cycles.
- Financial Advising:
Analysis, advice and supervision of financial institutions chosen by and/or with
the Client, as well as comparative studies of prices and banking commissions.
Creation and management of Collective Investment Institutions (national and
international structures):
- Spanish SICAVs
- Spanish Investment funds
- Luxembourg SICAVs
- Luxembourg SIFs
- Luxembourg SPFs
- Other international structures
Philanthropy
Analysis, channeling and supervision of donations, as well as the legal structures for their maintenance through time. Family Foundations.
Real Estate Management
- Real Estate Planning:
Analysis and appraisals of the real estate assets of the Client. Design of short,
medium and long-term strategies. Counseling in purchases & sales, rent and
administration of the real estate assets.
- Real Estate Strategic Planning:
Analysis and monitoring of the rising and falling cycles of the international real
estate markets. Elaboration and analysis of investment proposals.
- Optimization of Real Estate Commissions:
Supervision and reduction of commission fees for all real estate operations
Insurance Services
Analysis and acquisition of integral insurances for all the Family (global health care, life, savings plans, home, businesses, etc.)
Successions, Legal Structures and International Fiscal and Legal Consulting
Multi-generational succession of wealth.
Election of the necessary legal structure to protect the wealth and heirs, and
optimization of the inheritance.
Planning to avoid social and family problems related to the hereditary succession.
Design of the necessary structures for the maintenance of the GWM and fiscal
optimization.
International fiscal Consulting.
Servicios de Concierging
Assistance to the Client in all related to Leisure and Family Welfare.
Art Banking
Consulting in all kind of Art Investments.
Risk Management
Evaluation and assessment of risks assumed to short, medium and long-term.
Adaptation of the exposition to risk to the wealth situation of the Family.
Wealth Management Coaching
"The children that have grown among un-successfully managed wealth do not
always acquire the values of their ancestors. It is important to avoid that lives get
ruined by large fortunes and at the same time squander great part of them."
Counseling, orientation and formation of the members of the Family or heirs in
matters related to the Fortune.
Due Diligence and Decision-making.
Corporate Consulting
Executive consulting for all corporate links of the Client. Successions,
inheritances, and resolution of conflicts, generational take-over.
Family business corporate consulting: elimination of differences that could arise
from personal interests and the family business interests.