Strategies
Not every client needs the same structure. We begin with downside parameters and build upward.
Speak to a Strategist
The standard advisory conversation begins with return objectives. Ours begins with a different question: what level of loss, measured in both percentage terms and absolute lei, would materially alter your life, your business, or your family's plans? Once that figure is established and agreed in writing, it becomes the inviolable constraint around which every structural element is designed. This risk-first methodology is not a sales pitch — it is the technical foundation of every engagement we undertake. It ensures that regardless of what markets do in any given year, the structure you hold reflects a deliberate, documented decision, not a default assumption.
Each family represents a different balance between capital security, liquidity, and long-term accumulation.
Principal-protected notes and structured deposits issued by investment-grade counterparties, typically with full capital return at maturity. Maturities range from two to seven years. Suitable for clients whose primary objective is the nominal preservation of capital with defined participation in upside scenarios.
EU-regulated life assurance policy wrappers that hold a diversified portfolio of investment-grade bonds, money market instruments, and cautious multi-asset funds. Assets are legally segregated from both the client's estate and the insurer's balance sheet under Solvency II rules, providing creditor protection and succession efficiency.
For clients who want measured equity participation without unlimited downside, we construct put-protected equity baskets or barrier-note structures referencing major indices. The hedge cost is explicit, fixed at inception, and documented in the fiduciary memo as an accepted drag on return.
For families with assets, residencies, or heirs across multiple EU jurisdictions, we design holding structures that consolidate assets under a single wrapper, simplifying succession, minimising probate friction, and ensuring consistent treatment across member-state tax authorities.
Not all capital can be locked away. We build tiered liquidity strategies that separate an accessible cash buffer, a medium-term protected tranche, and a long-horizon structure — each with its own risk limit and instrument set — so short-term needs never force the liquidation of long-term positions.
Our internal review framework, which clients see reflected in the midnight-coral colour coding of our proposal documents, separates every strategy into three visual bands: the protected core (darkest shade), the cautious growth layer (mid-tone), and the discretionary satellite (lightest accent). This layering is not cosmetic. It mirrors the structural logic of the portfolio, making it immediately clear which portion of capital is subject to hard loss limits, which is managed to a soft target, and which carries deliberate tactical risk. At the first annual review, clients consistently report that this visual architecture — grounded in the midnight-coral palette of our documentation — makes conversations with their lawyers, accountants, and family members substantially more productive.
“We came to Bureau of Boston after a significant liquidity event in late 2021. They spent three meetings with us before recommending a single instrument. The structural proposal they delivered was the clearest financial document I have ever received — and I have been reading them for thirty years. The insurance wrapper they set up is now the backbone of our estate plan.”
Elena Dumitrescu, entrepreneur and investor, Cluj-Napoca
Book a private strategy session — no obligation, no product pitch, just a structured conversation about your capital and your risk tolerance.
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