Advisory and Consultative Services

Proper and intelligent investment and wealth management are at the core of every family office structure. Euro Credit limits its affiliations to independent family office consultants and advisors that are committed to that core and are dedicated to considering all factors that need to be considered when forming a family office, including:

Financial Planning

The independent, licensed financial planners to whom we refer investors incorporate investment advisory, consultation, and wealth creation and preservation services that integrate the management of an investor’s assets, philanthropic efforts, and lifestyle and budgeting needs. We work with those planners and our clients to craft financing and liquidity solutions that further their services.

In our experience, the third-party family office advisors in our network offer a varied slate of financial planning services, which might include:

regular evaluation and assessment of an investor’s financial circumstances;

establishing investment objectives within the greater structure of a family’s philosophy and mission statement;

reviewing risk tolerances and risk profiles of all family members;

performing full due diligence on all outside investment activities and personnel who provide services for the family;

handling cash flow and liquidity needs, and incorporating those needs into the overall family office plan and management;

planning and organizing philanthropic efforts;

creating or working with established foundations for the management of charitable giving;

monitoring personal club memberships and activities;

managing vacation properties and leisure assets and activities, including private water or aircraft.

Strategic Services

A family’s strategic wealth plan can fall by the wayside when a family business or member experiences unanticipated stresses. The third-party family office advisors in the Euro Credit referral network help a family office to stay on message and to comply with stated and agreed-upon strategic goals, both in the face of those stresses and in the regular course of a family’s business and personal activities, with strategic services that include:

training and education within the context of regular family meetings that follow the form and format of shareholder meetings;

management of estate and wealth transfer activities with analysis of estate planning, settlement and administration, and guidance in the most tax-efficient transfer of wealth to successive generations;

business and financial advice for syndication of debt, bridge or structured financings for family businesses, private equity opportunities, the management or other buyouts of family businesses, and development of new businesses within the family office structure;

intelligent use of financing and liquidity structures to further the purposes of the family office.

Family Office Governance

Knowledgeable and experienced family office advisors know that the governance mechanisms that are included in a family office structure must consider the familial relationships and dynamics that can impair smooth operations and decision making. We only ally ourselves and refer clients to family office consultants that provide administrative services, succession planning, and reporting and record-keeping services that can eliminate many of these and other common problems with:

comprehensive legal and accounting support;

tax return preparation and planning;

interfacing with banks and reconciliation of bank and other financial accounts;

public relations and management of public profiles;

continuity planning to ensure management transfer within family businesses with a minimum of disruptions;

development of knowledge-sharing policies and procedures;

creating and implementing intergenerational business and estate transfer plans;

maintenance and auditing of records, and comparison of budgets and plans to performance metrics.

General Family Office Advisory Services

Like any other active business, a family office will face daily stresses and issues that can divert attention from more productive wealth creation and preservation activities. Euro Credit refers its financing and lending clients to family office advisors who work with ultra-high net worth clients to address these stresses and issues and to eliminate problems before they grow beyond control with services that include:

regular risk assessment and analysis;

evaluation of insurance policies and liability control;

improving security systems to protect physical assets;

monitoring social media accounts for potential problems;

human resource administration and staff evaluation for family employees;

unified tax planning;

consideration of all income sources for estate planning and administration;

ensuring tax and regulatory compliance in all jurisdictions for all family members and all parts of a family business.

Euro Credit is a direct provider of certain specific services. Euro Credit reserves the right to refer inquiries for some services to third parties that are licensed or registered to provide those services where licensing or registration may be required by the laws of the applicable jurisdictions in which those services are offered. Euro Credit provides its services fully in accordance with applicable laws, rules, and regulations of all jurisdictions in which it conducts business or otherwise engages in transactions with contracting counterparts, either directly to the extent that an obligation, exemption, or exclusion for licensure applies, or otherwise through third-party licensees.