AH Loder Advisers works with a range of clients from different generations of wealth with different sizes of families and wealth from all around the world.

  • The Family Office

    A single-family office is an organisational structure that manages the financial and personal affairs of one wealthy family. Every family office is different because it is driven purely by the needs and preferences of the underlying family.

    As the nerve centre of an expanding family, Family Offices can be a very effective way of growing wealth. If the strategy and culture are right, it can deepen an emotional connection between the family and its wealth. With the right strategy and culture in place, Family Offices can also provide a high enough rate of return to increase the family wealth in line with the growth of the family members.

    In our experience over the years, we have seen that Family Offices can suffer from a lack of “emotional ownership” that is much more evident in family businesses as such. This can lead to problems in the long term, such conflict, contentious litigation and other disastrous situations.

    We advise on the design, establishment of Family Offices. We also conduct regular strategic audits of Family Offices to challenge and validate the objectives and strategy to better enable them to meet their vision.

    Our Family Office services include:

    • Designing a bespoke, top grade Family Office in the first place.
    • Creating and implementing a strategy, vision and culture that creates the “emotional ownership” so that the family’s financial and human capital are both used to increase family wealth across generations.
    • Conducting a comprehensive audit of the Family Office.
  • The Family Business

    We advise and audit Family Businesses or Enterprises, from structural changes including the relationship between the family and the business to training, improving the performance, culture, behaviour and thinking of individuals, teams or the whole organisation.

    A Family Business or Family Enterprise* is a unique structure with a delicate balance of between family members, owners and employees, all with varying abilities, positions and expectations. History relates that the majority of family business do not exist after three generations, so evolving is key to future existence.

    *A Family Enterprise is defined as a number of businesses owned by one family.

    Any pro-active Family Business or Enterprise must regularly review their business structure, processes and human capital capabilities. Uniquely, Family Businesses require additional consideration of family members’ and employees’ particular situations before outlining potential structural and process improvement along with suggested training requirements.

  • The Family Office with a Family Business

    We advise on the design, establishment of Family Offices when a family or entrepreneur wants to split their personal wealth away from the business. We conduct regular audits of Family Offices to challenge and validate the objectives and strategy to better enable them to meet their vision.

    We also advise and review Family Businesses or Enterprises, from structural changes including the relationship between the Family Office and the business to training, improving performance, culture, behaviour and thinking of individuals, teams or the whole organisation.

    A Family Office with a Family Business is an organisational structure that manages the financial and personal affairs of one wealthy family, separate from managing the affairs of the Family Business. Every family office is different because it is driven purely by the needs and preferences of the underlying family.

    As the Family Business grows, the personal and financial affairs of the family are moved into a separate entity called a Family Office. This in itself can become a business on its own and can be a very effective way of growing part of the family’s wealth. If the strategy and culture are right, it can deepen an emotional connection between the family and its wealth. With the right strategy and culture in place, Family Offices can also provide a high enough rate of return to increase the family wealth in line with the growth of the family members.

    In our experience over the years, we have seen that Family Offices with a Family Business have a high level of “emotional ownership.” This can bring stability to both organisations. However, where families can struggle is in the establishment of a Family Office in the first place, succession planning or the need for an independent review of the existing operation.

  • The Family Office with no Family Business

    We advise on the design, establishment of Family Offices. We also conduct regular strategic audits of Family Offices to challenge and validate the objectives and strategy to better enable them to meet their vision.

    A Family Office with no Family Business is focused on investing, in different assets on behalf of the family. This office might also act as an advisory office to another office based in a different jurisdiction.

    The challenge for the owners and executives of these type of offices are having a clear vision, set of values and a defined purpose. It is very tough to create the ‘emotional ownership’ for the family with one of these offices. In many cases, they are providing services to the family that much larger institutionalised financial services typically provide.

    There are very few such offices that exist today that are multi-generational around the world. This might change but it highlights that succeeding long-term with one of these types of family offices is a not easy.

  • High Net Worth Family

    We advise and work with High Net Worth Families (wealthy families), where they are seeking independent advice on a range of topics from:

    • Next Generation issues or development
    • Life and Business Skill development
    • Coaching or Mentoring
    • Succession/Multi-Generational Planning

    The requests we get are completely varied and usually quite particular. We pride ourselves on being able to provide a solution and implement the strategy.

  • Next Generation

    We provide mentoring and coaching to individuals on how to cope with the responsibilities and challenges of life. We advise them on anything from inheriting wealth and managing money, to navigating the precarious situations that life can throw at us (such as preparing for a job, or fulfilling the entrepreneurial wish to start a new business).

    Coaching is more than just information sharing, it is about personal development and learning in a very broad sense about oneself, one’s duty and one’s values.

    “You don’t know what you don’t know”

    This, in time, gives the younger generation the confidence to communicate effectively with both family members and the outside world as a whole. They will be armed with a personal resource of courage and integrity to make rational decisions that both protect the family wealth and inspire others.