Le modèle de maturité du family office
Les family offices se construisent, ils ne s'achètent pas. Cinq étapes décrivent le parcours habituel — et les capacités qui apparaissent à chacune d'elles.
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.
Stade 1 — Individual Investor
Personal accounts, one advisor, taxes once a year, documents in email.
Capacités typiques: Brokerage/bank accountsAn advisor or self-directed investingAnnual tax filingA will (sometimes)
Stade 2 — Organized Wealth Management
Consolidated statements, a written plan, an estate binder, a team of advisors who talk to each other.
Capacités typiques: Written investment planConsolidated reporting from the advisorCoordinated CPA + attorney + advisorBasic entity hygieneInsurance reviewed
Stade 3 — Micro Family Office
First dedicated hire or fractional team, real reporting software, documented processes.
Capacités typiques: 1–3 dedicated professionalsEntity-level books and consolidated net-worth viewInvestment policy statementBill-pay controls & wire proceduresPassword manager + MFA everywhereOutsourced specialists under coordination
Stade 4 — Established Single Family Office
A real organization: investment function, finance function, governance calendar.
Capacités typiques: CIO-led investment processController-run monthly closeDirect/alternative investment programFamily meetings & educationFormal risk & insurance programVendor & cyber management
Stade 5 — Institutional Family Office
Teams by asset class, in-house legal/tax, audited financials, multi-generational governance.
Capacités typiques: Asset-class teams & committeesIn-house counsel and taxAudited statementsFamily constitution & councilsNext-gen development programsEnterprise technology & security operations
Où en êtes-vous aujourd'hui ?
Questions rapides, notées de la même façon pour tous. Aucune donnée n'est enregistrée.
Votre stade actuel
Auto-évaluation éducative — pas un conseil.