Advisory Practice
From single-asset insurance wrappers to multi-generational holding architectures, every strategy we deploy is calibrated for preservation over the long arc.
We begin with an independent structural audit of your existing arrangements — before any product is ever discussed.
The first step in every engagement is a comprehensive review of what the client already holds: ownership structures, beneficiary designations, existing insurance policies, custodial arrangements, and any intra-family agreements. We map these against four risk dimensions — concentration, liquidity, jurisdictional, and succession — and produce a written Gap & Exposure Report within four weeks. Only once the current state is fully documented do we begin discussing solutions. This sequencing is deliberate: it ensures that recommendations are driven by an honest diagnosis rather than by the margins available on any particular financial instrument. The report is delivered whether or not the client proceeds to a full engagement.
Four distinct service lines, each addressing a different dimension of capital exposure.
An ongoing advisory mandate in which we monitor the total portfolio — across all custodians and asset classes — for emerging concentration and correlation risks. We issue quarterly rebalancing guidance and convene an annual strategy review. The overlay operates independently of execution, so existing broker and bank relationships are undisturbed.
We design and source EU life-insurance wrappers (Luxembourg PIFs, Slovak unit-linked contracts, Austrian solutions) that hold investment assets inside a legally protected envelope. Wrapper selection accounts for the client's domicile, the asset classes to be held, succession intent, and the preferred level of creditor protection. We negotiate terms with insurers directly on the client's behalf.
Slovak and Central European property holdings require specific structuring attention: Slovak inheritance law, property transfer taxes, and cross-border ownership rules each create exposure points that generic holding structures do not address. We design ownership and pledge frameworks for real estate that survive succession and remain operable across multiple EU jurisdictions.
We facilitate the drafting of family governance charters, advisory board mandates, and phased gifting programmes that give the rising generation a structured introduction to asset stewardship. Governance documents are prepared in coordination with Slovak notaries and, where relevant, legal counsel in the client's other jurisdictions of residence.
“The Gap and Exposure Report alone was worth the engagement fee. We discovered that three of our property holdings were effectively unprotected in a succession scenario — something neither our bank nor our existing notary had flagged. The Co resolved the structuring in under six months, and the whole process was handled with exceptional discretion.”
— Jana K., business owner, Košice
Answers to the questions advisors usually deflect.
Our full advisory mandates are designed for clients with investable and / or real assets of €750,000 and above. For clients below that threshold who require a specific structural solution — such as a single insurance wrapper — we offer a project-based engagement with clearly scoped deliverables and a fixed advisory fee.
Yes. The Co does not receive commissions from insurers, custodians, or fund managers. Our revenue comes exclusively from advisory fees charged directly to clients. This fee-only model eliminates the conflicts of interest that afflict most distribution-based advisory relationships, and it is disclosed in writing at the outset of every engagement.
For a typical client with three to five asset clusters (primary residence, investment portfolio, one or two business interests), the report takes approximately four weeks from the date we receive complete documentation. More complex situations — multiple jurisdictions, contested ownership, offshore structures — require six to eight weeks.
The Co provides structural advisory opinions — we identify and frame legal and tax risk, and we specify the kind of instrument or structure needed to address each risk. Formal legal drafting and tax filings are handled by independent Slovak and EU law firms with whom we maintain long-standing referral relationships. We coordinate and review their work as part of the engagement.
Approximately forty percent of our active clients are domiciled outside Slovakia — primarily in Austria, the Czech Republic, Germany, and the UAE. We manage these engagements remotely with secure document exchange and video conference review sessions. Where a physical notarial act in Slovakia is required, we coordinate the scheduling and accompany the client.
The Gap and Exposure Report is available as a standalone engagement. No ongoing mandate is required to receive it.