What did the family pay in insurance last year, across every asset it owns?
Most families can answer this in a fortnight, by asking four people and opening nine spreadsheets. The number exists. It is simply not written anywhere.
Nothing here is a failure of diligence. These are questions that stay unanswered because the answer lives in several places at once, and no report is built to cross them.
Read down and you have one asset with everything attached to it: the villa, its insurance, its maintenance, its staff, its financing, over any period you choose.
Read across and you have one kind of cost over the whole estate: every insurance premium paid by every company, property, vessel and person, in one table, with the detail one click below it.
Both readings come from the same records, so they cannot disagree. Set the period to a quarter and every figure follows. Export it, and the spreadsheet holds the same numbers as the document.
Families are not variations of one another. A structure with four companies and a vessel has little in common with one holding three properties and a private fund, and a platform that treats them the same serves neither well.
The platform is shaped around the family it is built for: its perimeter, its categories, the way it already thinks about its own affairs. Consolidation across several banks and several managers is the starting point, not the achievement.
A request for a new report, a different breakdown, an added category: answered within twenty-four hours, at a modest cost. Not queued for the next release.
There is no automatic link to any bank. The platform adapts to the statements the family already receives, which means no login of yours is ever shared with anyone.
This matters as much as the rest, and it is short.
One command produces a workbook holding every register: assets, companies, people, budget lines, recorded costs, insurance, financing, accounts. It opens in Excel and it is yours. No request, no notice, no fee.
Termination takes effect the day after you say so. What is owed for the unbilled period is paid, and that is the end of it.
Every figure and every document entered into the platform remains the family's property, and is returned in full on departure.
The set-up covers the design and the build around your structure. The monthly fee covers hosting, maintenance and the changes you ask for along the way. Both rise with the complexity of the structure, and are agreed before anything begins.
Write, and describe the structure in a paragraph. The reply will tell you honestly whether this is the right tool for it.
Based in Monaco. Working in English, French and Italian.
For families who would rather be accompanied through their own figures, and through the conversation with their banks about what is actually being charged, that work is done together. Write, and we will talk about it.