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Ferramenta interativa
O Checklist Completo
Cada etapa da criação de um family office, fase a fase. Marque os itens à medida que os conclui — o progresso é salvo apenas no seu 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. Leia o guia →
Inventory every asset
Cash, securities, funds, real estate, companies, credit, partnerships, trusts, retirement, insurance, collectibles. Leia o guia →
Inventory every liability and guarantee
Mortgages, lines, margin, personal guarantees, contingent obligations — the side everyone forgets. Leia o guia →
List every legal entity and who owns it
LLCs, partnerships, corporations, trusts — with an ownership tree, even a rough one. Leia o guia →
Identify family members and beneficiaries
Who the office serves now, who it will serve, and who holds decision rights. Leia o guia →
Map current advisors and what each costs
CPAs, attorneys, managers, banks, insurance — provider, scope, fee. This becomes the outsourcing baseline. Leia o guia →
Phase 2 — Design
Choose the model to start with
Organized advisors, virtual, micro, lean SFO, or an MFO relationship — complexity, not ego, decides. Leia o guia →
Run the Builder and pressure-test the result
Use the interactive Builder as a strawman, then argue with it. Leia o guia →
Decide internal vs outsourced, function by function
Investments, accounting, tax, legal, property, insurance, IT, philanthropy — build-vs-buy on paper. Leia o guia →
Sketch the organizational structure with counsel
Management company, holdcos, property LLCs, trusts — attorneys and CPAs make it real. Leia o guia →
Set the first-year budget
Staff, systems, advisors, office — with a contingency. Compare against current advisor spend. Leia o guia →
Define reporting requirements
What the family must see monthly/quarterly: net worth, performance, cash, taxes, entities. Leia o guia →
Design governance to match family size
Meeting rhythm, decision rights, an investment committee — lightweight is fine; absent is not. Leia o guia →
Phase 3 — Foundations
Engage the estate attorney
Wills, trusts, and the entity layer belong with counsel from day one. Leia o guia →
Engage the tax CPA and set the calendar
K-1 tracking, estimates, projections — coordination starts before the first filing. Leia o guia →
Form the management company
The entity that employs staff and contracts vendors — with counsel. Leia o guia →
Establish banking, custody, and account titling
Right accounts, right entities, right signers. Leia o guia →
Adopt the approval matrix and wire controls
Dual control on money movement from day one — the single best fraud defense. Leia o guia →
Review the whole insurance program
Property, umbrella, D&O, cyber, key-person — one coordinated review. Leia o guia →
Roll out password manager + MFA to everyone
Family included. No exceptions, financial accounts first. Leia o guia →
Stand up document management
One organized, permissioned vault for entity docs, statements, tax returns, policies. Leia o guia →
Phase 5 — Operate & Govern
Adopt the Investment Policy Statement
Objectives, allocation ranges, roles, restrictions, reporting — signed by the family. Leia o guia →
Run the first monthly close and consolidated report
The proof the machine works: one true net worth, on time. Leia o guia →
Set the investment-committee cadence
Calendar, memo format, minutes — however small the committee. Leia o guia →
Hold the first family meeting under the new office
Report what exists, what it costs, how decisions get made. Leia o guia →
Structure the philanthropy
DAF, foundation, or direct — pick deliberately and administer it centrally. Leia o guia →
Write the incident-response one-pager
Who calls whom when fraud, breach, or disaster hits — before it does. Leia o guia →
Schedule the annual structure-and-cost review
Once a year: does the model still fit the complexity? Adjust deliberately. Leia o guia →
Start the next-generation program
Education, meeting seats, small responsibilities — succession begins now. Leia o guia →
O checklist é um recurso educacional — sequência e prioridades variam por família. Trabalhe com advogados, contadores e consultores qualificados nas etapas jurídicas e tributárias.
