Our team
Our team is selected for depth of structural knowledge, discretion, and a genuine preference for conservative outcomes over headline performance.
Read our approach
Our standard
Every member of The Co team holds primary qualifications in financial planning, law, or actuarial science — never sales.
The Co was assembled deliberately around a single qualification criterion: the ability to place the client's long-term preservation above any short-term commercial pressure. Our founding partners came from backgrounds in Romanian corporate law, EU insurance regulation, and institutional fixed-income management. Over thirteen years, we have added specialists in real estate structuring, cross-border succession, and macroeconomic scenario analysis. The team is intentionally small — eight advisors — because the quality of structural thinking degrades when spread too thinly. Every client has a named lead advisor and a named backup; there is no anonymous service desk.
Our capability is a deliberate combination of five professional fields, each essential to complete structural protection.
Two of our advisors are qualified Romanian attorneys specialising in holding structures, SRL and SA formation, and asset segregation under Romanian Civil Code. They ensure every structure we recommend has legal integrity from its foundation.
Our insurance specialists hold CII qualifications and have worked directly with Solvency II compliance teams at major EU insurers. They evaluate wrapper providers not only on product terms but on counterparty solvency, policyholder priority, and jurisdictional robustness.
Capital preservation in a period of elevated inflation requires understanding sovereign bond markets, duration risk, and currency dynamics. Our allocation team brings combined institutional experience across the Romanian, German, and Austrian fixed-income markets.
Cross-border inheritance within the EU is governed by Regulation 650/2012. Our succession specialists hold EU-recognised estate planning credentials and coordinate directly with notaries in Romania, Austria, and Luxembourg to minimise transfer friction and cost.
Every structural recommendation is subjected to scenario analysis across at least four macroeconomic and regulatory environments before it is presented to the client. Our modelling team uses both historical data and forward-looking stress scenarios calibrated to the Romanian and wider EU context.
“What distinguishes The Co from every other advisory I have used is that they never once suggested a product that benefited them over me. My lead advisor, who has handled our family mandate since 2017, called me unprompted in the spring of 2022 to flag a regulatory change that would have increased our tax exposure had we not adjusted the holding structure in time. That kind of proactive, unconflicted vigilance is genuinely rare.”
Radu Ionescu, investor, Cluj-Napoca
Discretion
Client identities, asset details, and mandate specifics are never shared outside the engagement team — no exceptions, no exceptions.
In a city and region where professional communities are small and information travels quickly, we regard discretion not as a courtesy but as a non-negotiable operating condition. All team members sign comprehensive non-disclosure agreements covering client identity, asset structure, and any third-party information shared during an engagement. Our internal systems are air-gapped from public-facing infrastructure, and all sensitive documents are handled under our internal Document Classification Policy, which we share with clients on request. We have never experienced a client data incident in thirteen years of operation.
An introductory call or visit carries no obligation. We are available Monday through Friday at our Strada Traian office.