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Herramienta interactiva
La lista de verificación maestra
Cada etapa para establecer un family office, fase por fase. Marca los elementos a medida que los completes — el progreso se guarda solo en tu navegador.
Phase 1 — Define & Inventory
Write down what the office is for
One page: which problems it must solve first — reporting, investments, admin, tax coordination, estate, governance. Lee la guía →
Inventory every asset
Cash, securities, funds, real estate, companies, credit, partnerships, trusts, retirement, insurance, collectibles. Lee la guía →
Inventory every liability and guarantee
Mortgages, lines, margin, personal guarantees, contingent obligations — the side everyone forgets. Lee la guía →
List every legal entity and who owns it
LLCs, partnerships, corporations, trusts — with an ownership tree, even a rough one. Lee la guía →
Identify family members and beneficiaries
Who the office serves now, who it will serve, and who holds decision rights. Lee la guía →
Map current advisors and what each costs
CPAs, attorneys, managers, banks, insurance — provider, scope, fee. This becomes the outsourcing baseline. Lee la guía →
Phase 2 — Design
Choose the model to start with
Organized advisors, virtual, micro, lean SFO, or an MFO relationship — complexity, not ego, decides. Lee la guía →
Run the Builder and pressure-test the result
Use the interactive Builder as a strawman, then argue with it. Lee la guía →
Decide internal vs outsourced, function by function
Investments, accounting, tax, legal, property, insurance, IT, philanthropy — build-vs-buy on paper. Lee la guía →
Sketch the organizational structure with counsel
Management company, holdcos, property LLCs, trusts — attorneys and CPAs make it real. Lee la guía →
Set the first-year budget
Staff, systems, advisors, office — with a contingency. Compare against current advisor spend. Lee la guía →
Define reporting requirements
What the family must see monthly/quarterly: net worth, performance, cash, taxes, entities. Lee la guía →
Design governance to match family size
Meeting rhythm, decision rights, an investment committee — lightweight is fine; absent is not. Lee la guía →
Phase 3 — Foundations
Engage the estate attorney
Wills, trusts, and the entity layer belong with counsel from day one. Lee la guía →
Engage the tax CPA and set the calendar
K-1 tracking, estimates, projections — coordination starts before the first filing. Lee la guía →
Form the management company
The entity that employs staff and contracts vendors — with counsel. Lee la guía →
Establish banking, custody, and account titling
Right accounts, right entities, right signers. Lee la guía →
Adopt the approval matrix and wire controls
Dual control on money movement from day one — the single best fraud defense. Lee la guía →
Review the whole insurance program
Property, umbrella, D&O, cyber, key-person — one coordinated review. Lee la guía →
Roll out password manager + MFA to everyone
Family included. No exceptions, financial accounts first. Lee la guía →
Stand up document management
One organized, permissioned vault for entity docs, statements, tax returns, policies. Lee la guía →
Phase 5 — Operate & Govern
Adopt the Investment Policy Statement
Objectives, allocation ranges, roles, restrictions, reporting — signed by the family. Lee la guía →
Run the first monthly close and consolidated report
The proof the machine works: one true net worth, on time. Lee la guía →
Set the investment-committee cadence
Calendar, memo format, minutes — however small the committee. Lee la guía →
Hold the first family meeting under the new office
Report what exists, what it costs, how decisions get made. Lee la guía →
Structure the philanthropy
DAF, foundation, or direct — pick deliberately and administer it centrally. Lee la guía →
Write the incident-response one-pager
Who calls whom when fraud, breach, or disaster hits — before it does. Lee la guía →
Schedule the annual structure-and-cost review
Once a year: does the model still fit the complexity? Adjust deliberately. Lee la guía →
Start the next-generation program
Education, meeting seats, small responsibilities — succession begins now. Lee la guía →
La lista de verificación es una herramienta didáctica — el orden y las prioridades varían según cada familia. Trabaja con abogados, CPAs y asesores cualificados en los pasos legales y fiscales.
