Das Family-Office-Reifegradmodell
Family Offices wachsen – sie werden nicht gekauft. Fünf Stufen beschreiben den typischen Weg und die Kompetenzen, die auf jeder Stufe entstehen.
Personal accounts, one advisor, taxes once a year, documents in email.
Consolidated statements, a written plan, an estate binder, a team of advisors who talk to each other.
First dedicated hire or fractional team, real reporting software, documented processes.
A real organization: investment function, finance function, governance calendar.
Teams by asset class, in-house legal/tax, audited financials, multi-generational governance.
Phase 1 — Individual Investor
Personal accounts, one advisor, taxes once a year, documents in email.
Typische Kompetenzen: Brokerage/bank accountsAn advisor or self-directed investingAnnual tax filingA will (sometimes)
Phase 2 — Organized Wealth Management
Consolidated statements, a written plan, an estate binder, a team of advisors who talk to each other.
Typische Kompetenzen: Written investment planConsolidated reporting from the advisorCoordinated CPA + attorney + advisorBasic entity hygieneInsurance reviewed
Phase 3 — Micro Family Office
First dedicated hire or fractional team, real reporting software, documented processes.
Typische Kompetenzen: 1–3 dedicated professionalsEntity-level books and consolidated net-worth viewInvestment policy statementBill-pay controls & wire proceduresPassword manager + MFA everywhereOutsourced specialists under coordination
Phase 4 — Established Single Family Office
A real organization: investment function, finance function, governance calendar.
Typische Kompetenzen: CIO-led investment processController-run monthly closeDirect/alternative investment programFamily meetings & educationFormal risk & insurance programVendor & cyber management
Phase 5 — Institutional Family Office
Teams by asset class, in-house legal/tax, audited financials, multi-generational governance.
Typische Kompetenzen: Asset-class teams & committeesIn-house counsel and taxAudited statementsFamily constitution & councilsNext-gen development programsEnterprise technology & security operations
Wo stehen Sie heute?
Kurze Fragen, für alle gleich bewertet. Es werden keine Daten gespeichert.
Ihre aktuelle Phase
Bildungsorientierter Selbsttest – keine Beratung.