We are committed to delivering :
- A holistic wealth plan
- Decades-long partnership
- Professional guidance
- Sustainable legacy for future generations
Our Approach
To provide high- and ultra-high-net-worth families with a systematic management plan for “cash flow — liquidity — tax-efficient spending.” This is the foundation for wealth growth and offshore structuring, and a core module of family-office services for high-net-worth families.
Key Benefits
Predictable and stable income
Controllable and transparent expenditures
Manageable liquidity risk
Preparedness for large liquidity events
More tax-efficient and effective annual spending
Scope of Services
Long-term spending needs assessment
Long-term projections of living expenses, including estimates for education, retirement, property acquisition, residency planning, and other key expenditures, with sensitivity analysis covering inflation, currency fluctuations, and assumed investment returns.The following report will be delivered:
- Long-term Spending Needs Assessment Report
Income stability & contingency buffer
Assessment of the stability of family income streams; formulation of a family liquidity safety ratio and a recommended emergency fund (covering 6–24 months); strategies for asset supplementation in the event of income disruption.The following reports will be delivered:
- Family Income Risk Assessment Report
- Emergency Fund Allocation Plan
Expense Structure Analysis & Optimization
Categorize expenses into fixed costs, lifestyle spending, and growth-related outlays; uncover hidden high-net-worth family expenditures (such as education, healthcare, and residency-related costs); evaluate cash outflow risks, including overseas transfers and cross-border property acquisitions.The following reports will be delivered:
- Family Spending Structure Analysis
- Annual Family Cash Flow Statement
Liquidity event planning
Prepare liquidity for inheritance and outline funding strategies for proceeds from overseas asset disposals. The following reports will be delivered:
- Contingency Map for Major Liquidity Events
- Design of overseas asset disposals
Tax-Efficient Annual Spending Plan
Assessment of tax residency and funding sources; optimization of income, capital gains, and low-tax resources; design of tax-advantaged expenditure pathways.The following report will be delivered:
- Tax-Efficient Annual Spending Plan
Consulting Process
Initial consultation & needs validation (Day 1)
Collection of family cash-flow data (Day 1–7)
Cash-flow interviews & model development (Day 7–14)
Calculations & evaluation across five modules (Day 14–28)
Delivery of FCM report & strategy discussion (Day 28)
Annual review & cash-flow tracking (every 12 months)
Related Services
FCM and FGP complement each other, forming the core foundation for family-office wealth management. High-net-worth families often integrate them closely with the following services: