AL&CIA for Families
AL&CIA gives families a scalable, governance-first Family Office architecture that protects patrimony, preserves legacy, and enables disciplined growth.
Our architecture pairs a shared institutional platform (Foundation → Holding → Capital Management) with each family’s private Shield Vehicle, trust, and project vehicles so families gain professional continuity without losing ownership.
What we deliver for families
- Protected ownership:
Family assets are consolidated into a Family Heritage Shield Vehicle and administered with fiduciary separation. - Governance continuity:
Foundation-level purpose and governance protocols preserve intergenerational intent. - Liquidity without loss of ownership:
Fiduciary cash-flow mechanisms enable project financing and liquidity while preserving title. - Risk isolation:
SPVs hold high-return projects non-recoursed to family assets. - Barbell allocation by default:
Disciplined 80–90% low-risk / 10–20% opportunity split, adapted to each family. - Operational platform:
Secure, segregated infrastructure and coordinated advisor integration. - Migration path to autonomy:
Families can graduate from shared platform to a fully autonomous FO stack when ready.
Benefits at a glance
- Preserve wealth, identity, and family purpose.
- Reduce intergenerational disputes through clear rules.
- Unlock liquidity while protecting underlying assets.
- Access institutional-grade deals without surrendering control.
- Scale governance as family complexity grows.
Use Cases
The Ramirez Family
All narrative examples below are fictional and intended for illustration only. Any resemblance to actual persons or events is purely coincidental.
Services
Fee principles
AL&CIA uses a transparent, percentage-based pricing model. All fees are published and proportional to assets or outcomes.
- No hidden commissions, retrocessions, or product kickbacks.
- No fixed institutional markups on custody or execution.
- Clear separation between AL&CIA fees and third-party professional costs.
FAQ
Top Family FAQs
Q — Do we lose ownership by joining AL&CIA?
A: No. Families retain legal ownership via Family Heritage Shield Vehicles; AL&CIA provides management and governance services under contract.
Q — Who decides on sales, mortgages or major changes?
A: Decisions follow the family charter and governance protocol. The Foundation preserves mission oversight and veto rights where appropriate (described at a high level; operational details are contractual).
Q — Can a spouse or third party sell protected assets?
A: Under the Family Heritage Shield Vehicle & Trust architecture, unauthorized sales are contractually constrained and subject to governance approval — protecting heirs and projects.
Q — How long does onboarding take?
A: Typical onboarding (Family Heritage Shield Vehicle + Trust + basic governance) ≈ 8–12 weeks, depending on documentation and local filings. Longer times expected for independent family offices as they are scheduled per the Migration LOI.
Q — Who holds custody of investments?
A: Regulated custodians or banks selected with family approval. AL&CIA does not custody client funds.
Q — Can we use our existing advisors?
A: Yes. AL&CIA integrates external lawyers, accountants, and trustees within the FO ecosystem under clear role separation.
Q — Are family data and finances shared with other families?
A: Never. Strict technical and legal firewalls separate every family’s data and entities.