For Entrepreneurs
Your business created your wealth. Now let us build wealth that endures even without the business.
We bring the business, private wealth, investments, loans and the family's future into one strategy — without sacrificing the growth of the business.
Key idea
The business can be the engine of wealth. The role of private wealth is to ensure that the family's future does not depend on that single engine alone.
The entrepreneur's paradox
The source of success can, over time, become the greatest risk
As an entrepreneur, you probably created a significant part of your wealth with the very qualities that made your business successful: concentration, fast decisions, personal responsibility and the conviction that you can create the greatest value in your own business.
That is the logic of building wealth. Keeping it, however, requires a different logic.
If the family's income, a significant part of the net wealth, the real estate, the loan collateral and the future exit are all tied to the same business, from the outside it looks like several assets — economically, however, the same risk is repeated in several forms.
The goal is not to drain capital from a well-functioning business for the sake of financial theory. The goal is to find a balance in which the business retains its ability to grow, while the family gradually builds independent, liquid and diversified wealth alongside it.
Questions entrepreneurs rarely ask
The business has a strategy. Does the owner's life have one too?
Successful entrepreneurs usually know exactly where they want to take the business. They know next year's revenue target, the investments, the markets and the growth plans. A much harder question is where they want to take their own life.
What we bring into one strategy
Five areas, one plan
Financial boundaries between business and family
We define how much capital the business needs, what liquidity should be available to the family and at what pace wealth outside the business can be created without endangering its growth.
Concentration and the investment portfolio
We map the extent to which the entire wealth depends on the same country, industry, property market and economic cycle. On that basis we build a portfolio that does not repeat the risks of the business, but forms a genuine counterweight.
Liquidity, loans and room for manoeuvre
We align business and private liabilities, the credit structure and the necessary reserves. The aim is that a temporary downturn or an investment period does not force the family into a decision that is harmful in the long run.
Ownership and personal risks
We examine what would happen if the owner, a partner or a key person were lost. We align insurance, contractual and ownership questions with the relevant external experts.
Exit and intergenerational transfer
Selling the business or succession does not begin with the signing of a contract. It must be decided in advance what life the released wealth will fund, how much liquidity is needed, how the new portfolio will be built and what legal or tax steps an orderly transfer requires.
What makes it different
We do not start from a single transaction
The financial market usually offers the entrepreneur separate offers: bank financing, an investment product, insurance or a tax solution. On their own they may be good — but they do not necessarily serve the same goal.
The business can be the engine of wealth. The role of private wealth is to ensure that the family's future does not depend on that single engine alone.
What you gain from the partnership
Entrepreneurial success becomes genuine family wealth when it no longer depends exclusively on the entrepreneur.
a clear capital and liquidity framework between the business and the family wealth;
a globally diversified private portfolio;
an aligned credit, insurance and asset-protection strategy;
preparation for a change of ownership, the sale of the business or inheritance;
one professional partner who coordinates the direction of the entire wealth system and the work of the necessary experts.
Next step
Let us talk about your entrepreneurial wealth.
A short conversation about where your wealth is most concentrated today — and what could be built alongside the business.