Wealth Planning

1. Estate assessment and family financial planning

Understanding your family and your estate is the first step in planning.

We gather information and listen to family members to understand their needs, priorities and the decisions that need to be made.

• We map out investments, property, shareholdings in companies, wealth structures and liabilities.
• We speak to each family unit to understand their specific objectives and needs.
• We analyse how the wealth is organised and identify areas requiring attention, opportunities for simplification and matters that need monitoring.
• We draw up a family financial plan, linking resources and commitments to each family’s plans.
• We define priorities and next steps, recommending the necessary professionals for each area.

2. Succession planning and family continuity

Preparing to pass on assets and ensure the family’s continuity.

We support the organisation of succession, taking into account the assets, structures and people involved, both in Brazil and abroad.

• We help to evaluate options for the transfer of assets, in collaboration with solicitors and other specialists.
• We coordinate the drafting and review of wills and other succession documents across the relevant jurisdictions.
• We organise a continuity plan for situations of death or incapacity, mapping out accounts, businesses, documents, service providers and the necessary arrangements.
• We support the spouse and heirs in preparing for the future, ensuring they know who to turn to and what steps to take.
• Together with specialists, we assess options to ensure the family has the resources to cover their expenses and commitments during the transition.
• In specific engagements, we can act directly or through recommended professionals in the execution of wills, where such action is permitted.

3. Organisation of asset structures in Brazil and abroad

Structures tailored to your objectives, with ongoing support following implementation.

We help assess how the family’s assets and investments should be organised and coordinate the professionals responsible for setting up, reorganising and maintaining the chosen structures.

• We assist with the assessment of asset holding companies, investment firms and other vehicles in Brazil and abroad, taking into account your objectives, costs and maintenance requirements.
• We coordinate the specialists involved in the establishment and reorganisation of these structures.
• We oversee forms, registrations and corporate documentation, liaising with trustees, directors, auditors and accountants.
• We support projects involving a change of jurisdiction and the reorganisation of international structures.
• In specific projects, we may act directly or through professionals appointed as directors of companies abroad, in accordance with local requirements and the terms of engagement.

4. Taxation and tax residence

An integrated approach to decisions spanning countries and different tax regimes.

An international lifestyle requires that decisions regarding residency, investments, companies and succession be assessed holistically. Carpa connects the professionals involved so that these issues are considered within a single strategy.

• We help identify the financial and tax implications of moving to another country and changing tax residency.
• We assist with the selection and coordinate the work of accountants and tax advisers in the relevant jurisdictions.
• We organise the flow of information regarding assets, income, transactions and tax and foreign exchange obligations.
• We monitor changes to tax regimes and the need to adapt family structures accordingly.
• We carry out a conceptual review of the work presented by specialists, verifying its alignment with the planning objectives and information.
• Together with the relevant professionals, we monitor the analysis of tax credits from taxes paid in other countries, where applicable.

5. Family and corporate governance

Clarity regarding responsibilities, decision-making and the relationship between the family, assets and businesses.

We support families wishing to organise their wealth management and establish processes to address the interests and needs of different family members and generations.

• We assist in identifying the governance needs of each family unit and the issues requiring joint decisions.
• We support the definition of responsibilities and decision-making processes relating to wealth management.
• We assist in implementing practices to ensure transparency and monitor family financial management.
• We act as strategic advisers on projects to reorganise the governance of family groups.
• We coordinate discussions with advisers, solicitors and other professionals responsible for implementing the solutions.

6. Integration of wealth and investments

Investment decisions aligned with the family’s organisation and plans.

We work closely with the Investments department to assess how the investment portfolio and wealth structures relate to the family’s needs.

• We help to identify succession, corporate and tax issues relating to investments and the vehicles used.
• We link the family’s financial needs to wealth organisation decisions.
• We coordinate the assessment of investment structures with the relevant departments at Carpa and the specialists involved.
• We monitor the adaptation of the planning when family changes, new projects or significant wealth-related transactions arise.
• We bring together solicitors, accountants, trustees, banks, asset managers and those responsible for offshore structures.
• We monitor the implementation stages and any matters requiring review over time.

7. Execution of wills and monitoring of offshore trusts

A consistent presence to ensure your provisions are upheld and the interests of beneficiaries are safeguarded.

In addition to supporting succession planning, Carpa or its partners may assume specific roles in monitoring the structures and executing the provisions defined by the client, in accordance with the client’s choice and the rules of each jurisdiction.

• Executor of wills: acting in Brazil and abroad, either directly or through appointed professionals, in jurisdictions where this role is permitted.
• Trust protector: at the client’s request, acting as protector of trusts established by them or for their benefit. In this role, Carpa monitors the administration of the trust and exercises the supervisory and consent powers set out in its documents, in accordance with the powers conferred and the rules of the applicable jurisdiction.

8. Coordination of specialists and project monitoring

A central point of coordination to link professionals, information and decisions.

Carpa monitors the various matters and helps your family to understand the options presented, set priorities and move projects forward.

• We recommend specialist professionals according to the nature of each requirement and support the process of engaging their services.
• We also work with the solicitors, accountants, trustees and other advisers who already serve your family.
• We participate in project discussions and meetings, monitoring decisions and next steps.
• We review the work from a conceptual perspective and in terms of how it aligns with your family’s objectives.

Personal and family legal advice

A trusted partner for the important matters in your life.

Our relationship with each family goes beyond wealth management. Clients can involve Carpa in situations that affect them personally, within their family, emotionally or financially, relying on our close attention, discretion and support to understand the challenges and decide on the next steps.

We help you understand the issues involved, organise your priorities and find the right professionals. We monitor discussions and referrals so that you have a trusted point of contact throughout each matter.

• Family law: support on matters such as marriage, civil partnerships, divorce, custody, family living arrangements and maintenance, in coordination with specialist solicitors.
• Image rights and privacy: handling of situations involving undue exposure, use of one’s image, privacy and reputation, with the specialists responsible for taking the appropriate measures.
• Violence against women: support in seeking specialist legal assistance and in coordinating the necessary referrals to protect and defend rights, with discretion and attention to the urgency of each situation.
• Immigration and international mobility: coordination of professionals in Brazil and abroad on matters relating to visas, residence permits, citizenship and moving to another country.
• Other personal legal matters: assistance in identifying needs, assessing the options available and liaising with the professionals engaged for each matter.
• Case coordination: attending meetings, organising information and following up on next steps, helping the client to understand the alternatives and make informed decisions.