Strategies
We design preservation structures that function across market cycles, regulatory changes, and generational transitions.
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A capital preservation strategy is not a product. It is a set of deliberate choices about how assets are held, structured, and governed over time. At Co Studio, we begin with the assumption that each client's situation is genuinely different: different legal exposure, different family dynamics, different liquidity needs, and different tolerance for complexity. The strategies we describe below are not menu items — they are disciplines we apply in varying combinations, always in response to a thorough understanding of your specific position. The result is a structure you can explain to your family and your lawyers, and one that holds under pressure.
Six disciplines that form the architecture of every Co Studio engagement.
Many high-net-worth individuals hold 60–80% of their wealth in a single business or property. We quantify this concentration risk, stress-test scenarios including forced liquidity events, and present a structured programme for diversifying the exposure over a defined period — without triggering unnecessary tax crystallisation.
The Romanian leu carries specific risks for individuals with euro-denominated costs or ambitions. We assess your effective currency exposure across all asset classes and, where warranted, introduce structures that reduce your sensitivity to RON depreciation or euro-area inflation spikes.
We work with EU-authorised insurance carriers to design wrapper structures suited to the size and nature of your assets. This discipline is particularly relevant for clients holding significant liquid portfolios, business sale proceeds, or assets intended for inter-generational transfer.
For business owners, the legal entity in which assets are held has profound implications for protection, succession, and cost. We work alongside your legal counsel to evaluate existing structures and, where necessary, propose alternatives that better serve the preservation objective.
Wealth transfer without a governance framework is one of the most predictable sources of value destruction. We help families document their intentions, establish family investment policy statements, and introduce mechanisms that reduce the probability of disputes eroding what took decades to build.
Structures designed well at inception can drift out of alignment as circumstances change. Our retainer clients receive a formal annual review that reassesses the original risk map against current conditions and makes calibrated adjustments — keeping the strategy coherent without unnecessary activity.
“I came to Co Studio six months before closing the sale of my manufacturing business. The structuring work they did in that window — particularly around the holding entity and the insurance wrapper — saved a meaningful sum in potential exposure. More importantly, I felt in control of a process that most people find overwhelming.”
Raluca D., Former Business Owner, Timișoara
Every engagement begins with a two-hour diagnostic meeting — in our Cluj-Napoca office, bathed in the calm of ink-blue walls and warm white daylight, or via secure video — in which we ask questions most clients have never been asked about their financial position. From there, we produce a written Risk Map: a confidential document that names every identified exposure, ranks them by severity, and outlines the strategy options for each. Only after the client has reviewed and discussed this document do we move to design and implementation. The process is unhurried, the advice is written, and the reasoning is always explained.
Initial consultations are confidential and carry no obligation. We'll tell you honestly if we're not the right fit.
Request a ConsultationYes. Many of our clients have property, company stakes, or financial accounts in other EU countries or beyond. We include all materially significant assets in the risk map regardless of jurisdiction, and we coordinate with local advisors where specific legal or tax expertise is required.
Particularly so. Concentrated real estate holdings carry liquidity risk, maintenance liability, and often significant inheritance complexity. We work with real estate-heavy clients to identify which properties serve a genuine wealth function and which represent unnecessary concentration, and to introduce liquid or structured complements to the portfolio.
Entirely by advisory fee. We charge either a project fee for a defined engagement or a retainer for ongoing advisory. We receive no commissions, finder's fees, or product-related remuneration from any third party. This fee structure is disclosed in full before any engagement begins.