家族办公室成熟度模型
家族办公室是逐步发展起来的，而非一蹴而就。典型的成长路径可分为五个阶段——每个阶段对应不同的核心能力。
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.
阶段 1 — Individual Investor
Personal accounts, one advisor, taxes once a year, documents in email.
典型能力: Brokerage/bank accountsAn advisor or self-directed investingAnnual tax filingA will (sometimes)
阶段 2 — Organized Wealth Management
Consolidated statements, a written plan, an estate binder, a team of advisors who talk to each other.
典型能力: Written investment planConsolidated reporting from the advisorCoordinated CPA + attorney + advisorBasic entity hygieneInsurance reviewed
阶段 3 — Micro Family Office
First dedicated hire or fractional team, real reporting software, documented processes.
典型能力: 1–3 dedicated professionalsEntity-level books and consolidated net-worth viewInvestment policy statementBill-pay controls & wire proceduresPassword manager + MFA everywhereOutsourced specialists under coordination
阶段 4 — Established Single Family Office
A real organization: investment function, finance function, governance calendar.
典型能力: CIO-led investment processController-run monthly closeDirect/alternative investment programFamily meetings & educationFormal risk & insurance programVendor & cyber management
阶段 5 — Institutional Family Office
Teams by asset class, in-house legal/tax, audited financials, multi-generational governance.
典型能力: Asset-class teams & committeesIn-house counsel and taxAudited statementsFamily constitution & councilsNext-gen development programsEnterprise technology & security operations
您目前处于哪个阶段？
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您当前所处阶段
教育性自我评估——不构成任何建议。