Does the platform give investment advice?

It gives no investment advice and makes no recommendation It does not replace your accountant or your tax adviser It does not trade, and it does not touch money.

There is no list price, because there is no standard case. A family with one property and one bank is a different undertaking from a group spread across several jurisdictions and a dozen banks. The cost follows the structure, and it is agreed in writing before anything begins. It depends on: the number of companies, properties and other assets in the perimeter; the banks and managers whose statements are read; the jurisdictions and currencies involved; how often reports are needed, and how many people read them.

What did the family pay in insurance last year, across every asset it owns?

Most families can answer this in a fortnight, by asking four people and opening nine spreadsheets. The number exists. It is simply not written anywhere.

Wealth reporting that puts light where things sit in the shade.

Built for single family offices, one family at a time. Consolidated across banks, managers, companies and assets. Yours to take away at any moment.

One family office, building for another

Built and run by Nicola Barbiero, who has spent years working with financial institutions and family offices in Monaco, and who knows this work from the inside.

That is the reason a change arrives within a day rather than in next quarter's release. There is no product committee between your question and the person who can answer it.

It is also the reason the platform speaks the language of the work: perimeters, entities, budgets against actuals, the cost of holding a thing rather than its headline value. None of that had to be explained to anyone before it could be built.

From Monaco to wherever the family and its assets happen to be. The interface is set up in the languages the family and its office actually work in.

What usually sits in the shade

Nothing here is a failure of diligence. These questions stay unanswered because the answer lives in several places at once, and no report is built to cross them.

What a single asset costs to hold, once every charge is counted
What one category of spending costs across the whole estate
What was planned for the year against what has been spent
What each bank and each manager is really charging
What the estate returned, net of everything

Read down: one asset, everything attached to it

The villa, with its insurance, its maintenance, its staff and its financing, over any period you choose. Not five reports to reconcile by hand.

Villa Uno · April to June
Category	Apr	May	Jun	Total
Insurance	3,040	3,040	3,040	9,120
Maintenance	1,250	8,000	620	9,870
Staff	6,400	6,400	6,400	19,200
Utilities	980	1,120	1,410	3,510
Financing	4,166	4,166	4,166	12,498
All categories	15,836	22,726	15,636	54,198

Every figure traces back to a recorded entry, and to the bank movement behind it.

Read across: one cost, the whole estate

Every insurance premium paid by every company, property, vessel and person, in one table, with the detail one click below it. This is the answer to the question at the top of this page.

Insurance · all elements · year to date
Element	Type	Budget	Actual	Variance
Villa Uno	Asset	36,480	36,480	0
M/Y Serena	Asset	121,000	133,400	+12,400
Alfa Holding	Company	18,200	18,200	0
Beta Immobilière	Company	9,600	9,140	-460
Household	People	14,300	14,300	0
All elements		199,580	211,520	+11,940

Both readings come from the same records, so they cannot disagree.

What it actually looks like

Four screens from a working installation. The figures are illustrative.

The whole estate on one line, and each class beneath it with its own trend.

Budget against actuals, asset by asset, with the variance already computed.

A mandate against its own benchmark, over the period you choose.

Cash going out, quarter by quarter, before it goes out.

Nothing standard

Families are not variations of one another. A structure with four companies and a vessel has little in common with one holding three properties and a private fund, and a platform that treats them the same serves neither well.

The platform is shaped around the family it is built for: its perimeter, its categories, the way it already thinks about its own affairs.

At its simplest

One property and one bank account. What it costs to hold, what was planned for the year and what has been spent, kept straight in one place.

At its most involved

Holding companies across several jurisdictions, a dozen banks and managers, properties, a vessel, private funds, and the people who own them. Consolidated into a single reading, and still readable asset by asset.

The same platform serves both. What changes is how much of it is switched on, not what it is built from.

Changes within a day

A new report, a different breakdown, an added category: answered within twenty-four hours, at a modest cost. Not queued for the next release.

No bank credentials, ever

There is no automatic link to any bank. The platform adapts to the statements the family already receives, which means no login of yours is shared with anyone.

What it does not do

This matters as much as the rest, and it is short.

It gives no investment advice and makes no recommendation
It does not replace your accountant or your tax adviser
It does not trade, and it does not touch money
It does not connect automatically to your banks

Blog

Notes on how capital actually moves, and on what the numbers show once they are put side by side. Written irregularly, and only when there is something to say.

All articles →

Staying free to leave

The reason a family can accept something built to measure is knowing it can walk away with everything, on any morning it chooses.

Your data, in a spreadsheet, whenever you want

One command produces a workbook holding every register: assets, companies, people, budget lines, recorded costs, insurance, financing, accounts. It opens in Excel and it is yours. No request, no notice, no fee.

Leave on a day's notice

Termination takes effect the day after you say so. What is owed for the unbilled period is paid, and that is the end of it.

You own what you put in

Every figure and every document entered remains the family's property, and is returned in full on departure.

What it costs

There is no list price, because there is no standard case. A family with one property and one bank is a different undertaking from a group spread across several jurisdictions and a dozen banks. The cost follows the structure, and it is agreed in writing before anything begins.

What sets it

The number of companies, properties and other assets in the perimeter
The banks and managers whose statements are read
The jurisdictions and currencies involved
How often reports are needed, and how many people read them

Questions we are asked

Four answers in full, written the way they would be given in a first conversation.

Talking about it

Describe the structure in a few lines. The reply will tell you honestly whether this is the right tool for it, and comes from the person who built the platform.

contact@sfomanagement.com

Correspondence in English, French or Italian. The platform itself is configured in whichever languages the family and its office work in.

For families who would rather be accompanied through their own figures, and through the conversation with their banks about what is actually being charged, that work is done together.

Writing weekly on how capital moves, at Money Talks, Borders Don’t, and on LinkedIn.