Capital Protection Advisory
Bureau of Boston designs conservative, legally robust capital protection frameworks for individuals and families who cannot afford to lose ground.
Explore Our Strategies
Most advisory relationships are built around growth mandates — ours are built around loss-prevention mandates. At Bureau of Boston, we work with clients who have already accumulated meaningful wealth and whose primary concern is no longer how to grow it, but how to ensure it survives adverse markets, regulatory shifts, and generational transitions. Our approach combines insurance-linked structures, jurisdiction-optimised wrappers, and a rigorous fiduciary review process that leaves nothing to assumption. Operating from our Bucharest office in the warm-toned, midnight-coral aesthetic that defines our brand, we serve clients across Romania and the broader EU with the same discreet, technical rigour applied to every engagement.
Every client mandate is built on the same disciplined foundation, regardless of portfolio size.
We define explicit loss limits before any structure is deployed. Whether through capital-guaranteed notes, structured deposits, or collateralised insurance wrappers, the maximum drawdown is always a known, agreed figure — not an estimate.
Romanian clients benefit from EU-passported structures registered across Luxembourg, Ireland, and Liechtenstein. We select the wrapper jurisdiction based on your tax residency, estate planning goals, and the applicable bilateral treaty network.
Every recommendation we make is documented in a written fiduciary memo that records the reasoning, alternatives considered, and the specific risk-return trade-offs accepted. You always have a clear, auditable trail of every decision.
Capital protection structures are designed for decades, not quarters. We stress-test each framework against historical crisis scenarios — 2008, 2011, 2020 — so you understand precisely how the structure is expected to behave when markets turn hostile.
“Bureau of Boston restructured our family holding's exposure in early 2022, before the fixed-income drawdown. Twelve months later, our capital was essentially flat while peers absorbed losses of 15 to 20 percent. The fiduciary memo they produced before the restructure made the entire rationale completely transparent.”
Andrei Florescu, family office principal, București
Arrange a private consultation at our Strada Gheorghe Manu office or by secure video call — whichever suits your schedule.
Request a ConsultationRomania's wealth landscape is maturing rapidly, but the local advisory market remains dominated by product distributors whose revenues depend on fund selection and annual management fees. Bureau of Boston does not distribute products. We charge for advice and for the construction of structures — our compensation does not shift when a recommended instrument changes. That distinction matters because it means our analysis begins with your liability profile and your acceptable risk band, then works backward to the instruments that fit, rather than the reverse. For clients who have built businesses, received liquidity events, or inherited estates, that sequencing is the difference between a plan and a prospectus.
Our structured advisory mandates are designed for portfolios of 500,000 lei or above. Below that threshold, the cost of setting up and maintaining a bespoke structure becomes disproportionate to the benefit. For smaller portfolios, we can provide a one-off written review without an ongoing mandate.
Yes. All structures we design are reviewed against current Romanian fiscal legislation and ANAF guidance. Where EU-passported wrappers are used, we coordinate with local tax counsel to ensure correct reporting under applicable CRS and FATCA obligations.
Insurance-linked investment wrappers place your portfolio assets inside a life assurance policy issued by a regulated EU insurer. This segregates assets from your personal estate for creditor-protection and succession purposes, while maintaining your investment discretion over the underlying holdings.
No. Bureau of Boston is a structure and advisory firm, not a discretionary portfolio manager. We design the framework — the wrapper, the risk limits, the rebalancing rules — and work alongside your existing custodian or asset manager. We do not hold or trade client assets.
The process begins with a confidential needs analysis meeting, typically one to two hours. We then produce a written structural proposal within ten business days. Upon acceptance, legal documentation and wrapper setup usually completes within four to eight weeks depending on jurisdiction.