Private Clients · Family Office

Wealth Planning & Family Office

Preserving wealth across generations requires more than tax efficiency. It demands structure, governance and clarity in an environment of evolving regulation, international mobility and increasingly complex asset portfolios.

Family wealth today often spans operating businesses, real estate holdings, international investments and multi-jurisdictional exposure. Without coordination, fragmentation can erode value and create unintended risks.

Auream Group advises private clients, family-owned groups and family offices on the legal and structural dimensions of wealth preservation, succession and governance.

Strategic Advisory

In a changing fiscal and regulatory environment, wealth preservation requires periodic reassessment.

Our advisory integrates corporate, tax and governance considerations into a coordinated framework designed to maintain resilience and continuity.

The establishment or reorganisation of a family office requires careful alignment between ownership, control and asset allocation.

Advisory may include:

  • Creation of holding and patrimonial structures
  • Centralisation of investment vehicles
  • Segregation of operating and passive assets
  • Governance frameworks for multi-generational families

The objective is to create clarity of control while maintaining flexibility for future transitions.

Succession is not a single event, but a process. Intergenerational transfer involves civil law, tax considerations and family governance dynamics.

Planning may address:

  • Lifetime transfers and inheritance structuring
  • Coordination with Inheritance and Gift Tax regimes
  • Gradual transfer of management responsibilities
  • Protection of minority family interests

Stability of the structure often determines continuity of the family enterprise.

High-net-worth families frequently maintain assets or members in multiple jurisdictions. Changes in tax residence, international investments or foreign structures require coordinated oversight.

This includes:

  • Integration of trusts, foundations or foreign holding vehicles
  • Alignment between personal residence and asset positioning
  • Cross-border tax consistency
  • Coordination with selected international advisors

Wealth planning must adapt to regulatory change while preserving strategic objectives.

As wealth grows, governance becomes central. Clear decision-making structures reduce internal friction and prevent long-term instability.

Advisory may include:

  • Family protocols
  • Shareholder governance mechanisms
  • Structured communication frameworks
  • Conflict prevention systems

Sustainable wealth depends on institutional discipline, not informal arrangements.

We know that your philanthropy plans and charitable structures belong at the center of your overall wealth management planning. That’s why our specialists will work with you and your advisers to develop and execute your philanthropic vision.

Although Spanish law does not recognise the trust as a domestic legal institution, international wealth structures such as trusts, foundations and holding vehicles established in jurisdictions like the United States, Liechtenstein or Panama remain central tools in global wealth planning.

Through our network of trusted collaborators and partner firms in selected jurisdictions, we coordinate the establishment and ongoing oversight of structures including irrevocable trusts and private foundations, ensuring alignment with the family’s governance and succession objectives.

The impact of these vehicles, however, depends significantly on the tax residence of their settlors, beneficiaries and underlying asset structures. Spanish-resident beneficiaries may trigger reporting obligations, attribution of income or taxation upon distributions, even where the structure itself is governed by foreign law.

Proper coordination between the governing jurisdiction of the structure and the residence of the relevant individuals is therefore essential. When designed and monitored appropriately, such arrangements can support continuity, protection and strategic long-term planning.

Insurance solutions can serve a broader purpose than protection alone. When carefully structured, certain life insurance arrangements — including unit-linked policies and policy wrapper structures — may form part of a coordinated wealth and succession strategy.

In appropriate circumstances, these instruments can facilitate asset consolidation, controlled distribution planning and, in some jurisdictions, enhanced tax efficiency. Their effectiveness, however, depends on the policyholder’s tax residence, the designation of beneficiaries and the interaction between the governing law of the policy and the residence of the individuals involved.

We do not act as insurance brokers. Instead, where relevant, we coordinate with specialised providers to ensure that insurance-based structures are integrated coherently within the client’s broader corporate, tax and family governance framework.