Strategies
From insurance wrappers to multi-asset preservation portfolios, each strategy is selected to match your risk profile, time horizon, and legal context.
Many people assume protecting capital means doing nothing — holding cash, avoiding markets. In practice, pure cash positions lose real value to inflation, currency risk, and banking counterparty exposure. Effective preservation means actively selecting structures and instruments that maintain purchasing power while capping downside risk. The Workshop provides four core strategy families, each calibrated to a different client profile, and each deployable as a standalone solution or combined within a bespoke framework. Every strategy is reviewed at least once a year, and clients receive a clear, plain-language annual report that shows exactly how their capital has been protected.
Four approaches, each designed for a specific preservation objective — deployable individually or combined.
Assets held inside Luxembourg or Liechtenstein life-insurance contracts benefit from EU-level creditor protection, favourable succession treatment, and tax-deferred growth. We select the wrapper, negotiate the custodian, and manage the underlying fund selection on an ongoing basis. Minimum engagement: 150,000 lei.
A globally diversified portfolio weighted toward capital preservation: investment-grade bonds, short-duration fixed income, gold and commodity overlays, and low-volatility equity sleeves. Rebalanced quarterly, with a hard drawdown limit agreed with each client at inception. Available in RON, EUR, or USD base currency.
Legal and financial structures that ensure wealth transfers to the next generation without erosion by succession tax, court delays, or family disputes. We coordinate with Romanian notaries and international legal counsel to draft fiduciary mandates, family governance charters, and beneficiary designations that hold up across EU jurisdictions.
For clients with concentrated banking exposures or large single-issuer bond positions, we design a separation strategy that distributes holdings across multiple custodians, geographies, and legal structures. No single institution failure can wipe out a material portion of your assets.
A typical first engagement spans twelve weeks. We begin with a two-hour discovery session — examining your current asset map, legal structures, insurance coverage, and any existing succession documents. From that we produce a written Preservation Audit: a frank assessment of where your capital is exposed and why. In week four we present a tailored Strategy Proposal with clear options, costs, and projected scenarios. Once approved, implementation takes four to eight weeks depending on complexity. Clients then enter an annual review cycle, with a dedicated advisor available by phone or in our Brașov office throughout. The forest-cream tones of our meeting rooms are a small but deliberate signal: this is a space designed for clear thinking, not high-pressure sales.
“The Preservation Audit they delivered in week three was the most honest document I had ever received about my finances. It showed, without flattery, that nearly 40% of my liquid assets were exposed to a single bank. The counterparty containment strategy they designed since then has spread that risk across three custodians. It took eight weeks and it was worth every leu.”
Anca Florescu, architect, Brașov
Every client is different. A short discovery call helps us recommend the most suitable starting point.