Services
Family wealth is not a question of investing but a system of interlocking matters. From family strategy to succession, six domains connect end to end, and we see each one through.
Before anything is built, settle where the family is headed, the lines it will not cross, and which structures carry it there. This is the ground the other five stand on.
Identity is where a global structure begins. Where a member is taxed, in whose name assets are held, and how freely the family can move: together these set the limits of everything that follows.
Place assets inside structures that hold up against jurisdictional shocks and generational change, so ownership stays clear, risk stays contained, and succession stays orderly.
Compliance first: coordinate family and business tax across jurisdictions, so every movement of an asset is accounted for and can be explained.
Anchored on cash flow that crosses generations: risk contained, inflation resisted, volatility damped, cycles crossed. We neither handle nor distribute products.
How rules are kept, how people grow, how the system keeps running. Values, charter and history handed on together with the wealth.
Where to Begin
There is no need to open with a full strategy engagement. From a light questionnaire and the papers a family already has, we rate each of the six capitals — high, medium or low — and name the key gaps. The result decides where to enter: the order of service follows the family’s most pressing gap.
Methodology
Every family plan is worked through in the same cause-to-effect order: which risks to insulate, which structures are needed, which wealth they serve, and whom the wealth is for.
Chart the members and their relationships in layers of importance — the family’s constellation map.
Qualitative and quantitative questionnaires for each layer, yielding the six-capitals report and a cash-flow needs analysis.
Draw up the family balance sheet, with a full analysis and diagnosis of where things stand.
List every latent risk across four dimensions: geography, internal structure, generational time, and institutional trust.
Design the architecture accordingly; on the wealth side, start from “always money” and build the three tiers of defence, offence and enterprise.
Delivery
Delivery follows one sequence: people first, then structures, then accounts, and wealth last.
Whom to provide for, identity, family-council governance, the successor plan.
Trusts, foundations, companies, and the separation of ownership.
Private banks, insurance and operating accounts; AML, CRS and FATCA.
The three-tier allocation system, perpetual cash flow, and one set of reports.
How We Work
Working with a family proceeds in four steps. Each has its own deliverable, and each can be entered on its own; no one has to buy the whole road at once.
The five-step method walked through in full, to see the family’s people, wealth, risks and goals clearly. Delivered: the six-capitals report, the family constellation map, the balance sheet and the risk register.
Laying the chassis: comparison of structural paths, risks identified and designed out, suppliers screened and feasibility tested. Delivered: the architecture and the wealth-allocation system.
Building to the map: entities established, accounts opened, suppliers assigned and supervised, schedule and cost controlled, with two rounds of acceptance.
Annual review and filings, policy monitoring and impact assessment, response to events, rebalancing, family assemblies and charter updates. Charged by the year, and where the craft really shows.
Optimisation is not the end; it is the input to the next round. Without that loop the first three stages are just a straight line. With it, they become perpetual.
Flourishing Tree sells no financial products. All services are advisory, and their scope is defined in a separately signed agreement.
Saying things clearly is often half the solution.