Family office·6 min read·
Family office or financial advisor? When does each make sense?
If your wealth has outgrown a single set of advice, here's a practical framework for deciding what structure you actually need.
A traditional advisor relationship works well up to a point. Once you add a private business, multiple properties, offshore investments, trust structures, and a family that needs aligned planning across generations - the conversation gets bigger.
You don't need R500m to think this way. What you need is enough complexity that uncoordinated advice is actively costing you money - and a willingness to treat the family's wealth as one balance sheet, not five.