Strategies
Every strategy we deploy is selected for its capacity to preserve capital under adverse conditions, not merely to perform under favourable ones.
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First principles
The choice of vehicle — not just the underlying asset — determines how much capital actually survives a stress event.
Most wealth management conversations begin with investment selection: which asset classes, which geographies, which instruments. We begin with structure. A well-chosen bond held inside a poorly designed legal vehicle can be seized, taxed, or litigated away. The same asset inside a properly constituted insurance wrapper or holding entity can be insulated from exactly those risks. Our process starts with a structural audit of what the client already holds, identifies exposure points, and builds the most efficient protective architecture before any allocation decision is made. This is what capital preservation actually means in practice.
We deploy four distinct structural approaches, applied individually or in combination depending on client circumstances.
Unit-linked and life insurance structures issued under EU Directive 2009/138/EC provide a legally robust outer shell for multi-asset portfolios. We select and configure wrapper providers whose counterparty ratings and jurisdiction of issue align with the client's risk profile and succession requirements.
For clients whose asset base includes real estate, operating businesses, or cross-border income streams, we design holding company and special-purpose vehicle structures in Romanian and EU jurisdictions. These provide liability ringfencing, inheritance planning clarity, and capital efficiency.
Where liquid capital requires active management, we build allocation frameworks anchored to capital floors rather than return targets. Instruments include short-duration sovereign bonds, gold-linked instruments, EUR-denominated money market products, and systematic rebalancing rules that enforce drawdown discipline.
Preserving capital across a single generation is insufficient if the transfer to the next is unplanned. We work with Romanian notaries and EU-qualified estate planners to design succession structures that minimise transfer costs, reduce litigation risk, and express the client's intent with legal precision.
Our method
The palette of our practice — cream clarity, burgundy seriousness — runs through both our visual identity and our advisory methodology.
We do not offer off-the-shelf products. Every engagement begins with a minimum 90-minute discovery session in our Constanța office, where we document the client's asset inventory, liability exposure, family structure, and time horizon. From that session, our team produces a Structural Briefing Note — a written assessment of current preservation gaps and a ranked set of structural remedies. Only after the client has reviewed and accepted the Briefing Note do we move to implementation. This sequence is non-negotiable; it is the mechanism by which we ensure that every structure we deploy is genuinely appropriate, not merely available.
“I had worked with two other advisors before The Co, and both started by recommending products before they had understood my situation. The team here spent the first two meetings simply listening and documenting. The Structural Briefing Note they produced was more insightful than anything I had received in ten years of private banking. We implemented the holding structure they recommended in the autumn of 2021, and it has since survived two significant legal challenges without any impact on the underlying assets.”
Andreea Popa, family office principal, Constanța
Answers to the questions clients most frequently raise before their first advisory session.
We work with clients whose total preservable asset base exceeds RON 1,500,000 (approximately EUR 300,000). Below that threshold, the structural complexity we provide typically does not justify the advisory cost. We are happy to recommend suitable alternatives for smaller portfolios.
We are structural advisors, not discretionary asset managers. We do not hold client funds or execute trades. We design the structures and frameworks, then coordinate with regulated custodians, insurance providers, and asset managers of the client's choosing. This removes any conflict of interest between our recommendations and the products we could profit from.
Initial structural audit and Briefing Note: three to four weeks. Implementation of the recommended structures — which may involve legal filings, insurance wrapper selection, and custodian transfers — typically takes a further six to twelve weeks depending on complexity. Ongoing review is semi-annual.
All structures we recommend are designed to comply fully with Romanian Fiscal Code requirements and applicable EU Directives. We do not design avoidance arrangements. We design efficiency: structures that are legally sound, transparent to the authorities, and optimised within the law.
Book a confidential discovery session at our Constanța office. Bring what you have; we will help you understand what it needs.