Strategies
Every client brief begins with a downside analysis — because protecting against a 30% drawdown matters more than chasing an extra 2% yield.
A Heritage Bureau engagement begins with a structured diagnostic: we review your existing assets, liabilities, insurance cover, legal structures, and any upcoming liquidity events. From that baseline we produce a Risk Register — a plain-language document that names every identified exposure, rates its severity and probability, and proposes a mitigation hierarchy. The Register becomes the working document for all subsequent recommendations. We do not start with a product and work backwards; we start with your specific risk profile and find the instruments that best address it. Typical engagements run three to six months for the initial structure-build, followed by a quarterly monitoring retainer.
Each methodology is matched to a distinct risk category — they can be deployed individually or layered for deeper protection.
We model your portfolio under three to five adverse scenarios — currency depreciation, equity drawdown, real estate correction, interest rate spike, and liquidity freeze. Each scenario produces a projected impact figure and an action threshold. You know in advance exactly when and how the strategy would respond.
Not all insurance wrappers are equal. We compare unit-linked life products, capital-guaranteed bonds, and structured deposit vehicles from EU-regulated providers, scoring each against your tax residency, succession priorities, and liquidity requirements before making a recommendation.
Operating capital and protected reserves must be legally and practically separated. We design holding arrangements — compliant with Slovak and EU regulations — that ring-fence the assets you cannot afford to lose from those exposed to everyday business or investment risk.
Risk profiles change: a new property purchase, a business exit, a change in tax residency, a family event. Our annual review reassesses each protection layer, updates the Risk Register, and adjusts instruments where the original assumptions no longer hold. Nothing is set-and-forget.
Every recommendation is issued in writing, with the rationale, the alternatives considered, and the potential downsides stated explicitly. Clients receive a master file containing all structure diagrams, policy documents, and review notes — organised so that a lawyer, accountant, or successor can understand the architecture without a briefing from us.
We typically engage clients with investable or protectable assets of €300,000 or above, where the complexity of a bespoke structure is justified by the sums involved. Below that threshold, the cost of our advisory work may outweigh the benefit — and we will tell you so clearly at the diagnostic stage rather than after the fact.
No. Heritage Bureau is a fee-based advisory, not a discretionary fund manager or broker. We design and document structures, select and monitor instruments, and advise on risk parameters — but the assets remain in your name or in vehicles you control. We never hold client funds.
For most clients, the diagnostic and Risk Register are complete within four to six weeks of the initial consultation. Implementation of the recommended structures — opening accounts, establishing legal vehicles, activating insurance wrappers — typically takes a further two to four months, depending on the complexity and the responsiveness of third-party providers.
Yes. Every structure we recommend is reviewed for compliance with Slovak tax law, the EU Anti-Money Laundering Directives, and applicable EU financial regulations. Where a proposed structure requires a legal opinion, we coordinate with qualified Slovak or EU counsel at the client's cost — we do not issue legal advice ourselves.
The quarterly retainer covers: a review of all active instruments against their risk thresholds, an updated stress-test run on changed market conditions, a written quarterly note summarising findings and any recommended adjustments, and up to two hours of advisory calls per quarter. Ad-hoc consultations beyond that are billed separately at our standard hourly rate.
The Risk Register Heritage Bureau produced in the first month was more detailed than anything my previous advisers had ever given me in five years. It named every exposure I had been vaguely aware of but never seen quantified. Three of those risks were addressed within ninety days.
Lucia V., Trenčín — client since 2021
We will walk you through a sample diagnostic at no charge — so you understand the methodology before committing.