Private wealth management.
For individuals and families across the United States and Latin America. Eight disciplines, practiced as one.
Investment management
We manage your portfolio directly and are accountable for what's in it. Portfolios are built around what you actually owe and intend (the retirement, the tuition, the buy-in, the transition) rather than a risk questionnaire. Where it fits, that includes private investments alongside public markets. Your assets are held in your own name at Charles Schwab or Interactive Brokers, independent custodians with no ownership relationship to this firm.
- Private equity, private credit, real estate, and hedge funds
- Discretionary and non-discretionary managed accounts
- Direct indexing
- Equities and fixed income
- Cash management
- Concentrated stock management
- Option overlay strategies
- Real estate 1031 exchanges
Business ownership and succession
For anyone whose largest asset is an operating business, a practice, or a partnership stake: the entity structure, the liquidity that has to come from somewhere, the compensation that is also a tax decision, and the eventual sale or succession prepared years before it is announced. The business and the balance sheet are planned as one, because they are one.
- Wealth management for business growth
- Preparing a business for sale
- Sale and acquisition guidance
- Succession planning
- Valuation and operational guidance
- Corporate cash management
- Business capital and financing
- Corporate retirement plans
Financial planning
One working document, not a binder you read once. What you own, what it's for, what's exposed, and what happens in the next twelve months, all of it kept current and returned to at every meeting. It begins with a financial planning fact finder, and it's maintained as the facts change, because most plans are accurate on the day they're delivered and quietly wrong within a year.
Retirement planning
Pension elections, deferred compensation, stock and option timing, when to file for Social Security, how to draw income across accounts taxed three different ways, and what Medicare will cost based on income reported two years earlier. Several of these are one-time and irreversible, and they interact: the order in which you take income changes what you keep.
Tax planning coordination
We don't prepare returns. We make sure the year's decisions reach the person who does, while the year is still open. A gain realized in November, an entity formed in May, a distribution taken in the wrong order: each is easy to plan around in advance and impossible to fix the following March. Your accountant was engaged to prepare the return, not to watch the year unfold. That part sits with us.
Estate and legacy planning
We don't draft documents. We keep the plan describing the life it was built for: titling, beneficiary designations, trust funding, and the ownership changes that quietly make a well-drafted document wrong. Your attorney drafts; we keep what was drafted true as the years pass, and we bring the next generation into the conversation before the conversation is forced.
Insurance and risk management
What is exposed, what is already covered, and what a claim would actually do to the plan. Life, disability, liability, property, and long-term care, reviewed against the balance sheet they protect rather than against a product menu. Most coverage was bought one policy at a time, years apart, for a life that has since changed; we read it as one set, against what it would have to pay for today. Where coverage is placed, it is placed through independent carriers, never a proprietary product.
Cross-border wealth management
For anyone whose money, business, or family sits in more than one country. U.S. custody at Schwab or Interactive Brokers, coordination with independent legal and tax professionals in the other jurisdiction, and work in English, Spanish, and Portuguese. These situations rarely involve a bad plan. They involve two correct plans that have never met.
Who this is for.
There's no list of professions here, because that was never what mattered. The people we work with have a financial life with several moving parts that affect each other: more than one account, in more than one place; income that arrives in a complicated shape; a decision coming that only gets made once; property, or family, or a plan that touches more than one country.
The work is much the same whether the largest asset is a company, a practice, a partnership stake, employer stock, or a portfolio built one deposit at a time. What matters isn't what you do or what the number is. It's whether the pieces have grown past the point where anyone is holding them together.
What we don't do.
Zafiro doesn't draft documents, file returns, or extend credit. Your attorney, accountant, and banker keep their work. What we add is the seat that holds it together: managing the capital, and keeping the estate plan, the tax position, the entity structure, and the balance sheet describing the same life at the same time.
How it starts.
A conversation.
No presentation and no proposal. A private conversation to understand the situation and decide together whether Zafiro is the right firm for it.
A fact finder.
A structured financial planning questionnaire covering what you own, what you owe, and what you intend. It is the first document in every relationship.
A written fit memo.
What we see, what we would do, and in what order.
The foundation.
Assets moved into custody in your name, the full picture assembled, the first plan built.
A standing rhythm.
Quarterly reviews, an annual review of the whole, and a plan kept current between them.
Where we are.
Orlando. Clients across the United States and Latin America. In English, Spanish, and Portuguese.