Stendal Consulting
Stendal
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Investment, tax, governance, and continuity. In-house. By referral.
Revision
2026-05-25
Services
0
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Confidential
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Family Continuity
Coordination of the external advisor team. Governance structure, quarterly review meetings, mission and constitution work, and financial education for the next generation.
Read the full pillar- I.01.01
Coordinate professional advisors (legal, tax, investment, banking, insurance)
OngoingStendal holds the file on every external advisor relationship and convenes the team around the family's open questions, so the advice the family receives is all encompassing rather than siloed across disciplines.
- I.01.02
Challenge specialist recommendations and hold single-point accountability for the family
OngoingStendal brings a cross-disciplinary view and actively challenges each recommendation against alternative opinions.
Integrated Planning
Financial, tax, estate, cross-border, and entity planning. Coordinated execution across CPAs, counsel, and existing advisors.
Read the full pillar- II.01.01
Prepare cash flow and financial independence calculations, revised regularly
AnnualStendal models the family's annual income, spending, and capital needs against the portfolio's expected return and confirms financial independence under different market scenarios, revised whenever circumstances change.
- II.01.02
Prepare liquidity analysis, revised regularly
AnnualStendal projects the family's cash requirements for the coming year and the next five years across taxes, distributions, capital calls, and lifestyle, then maps required liquidity against the portfolio's actual liquidity profile.
- II.01.03
Prepare statement of net worth, changes in net worth, and cash flows
AnnualStendal produces an annual personal financial statement covering assets, liabilities, year-over-year change in net worth, and total cash flows, consolidated across all entities in the family's structure.
Risk Management
Insurance coverage review, fee management on existing manager relationships, and liquidity planning for taxes payable on death.
Read the full pillar- III.01.01
Prepare a life insurance needs analysis, revised regularly
AnnualStendal models the family's life insurance need against the liquidity required at death (taxes, distributions, replacement income), revised whenever assets, structure, or beneficiaries change.
- III.01.02
Review existing property and casualty insurance coverages
AnnualStendal annually audits the family's property and casualty coverage (homes, vehicles, art, jewellery, umbrella) against current values and risk exposure, flagging gaps and over-insurance.
- III.01.03
Review existing disability and medical insurance coverages
AnnualStendal annually reviews disability and medical coverage across the family, including any group plans through opcos and individual policies, against current circumstances.
- III.01.04
Conduct annual risk assessment across the family's exposures
AnnualStendal runs a structured annual risk assessment covering insurance, cybersecurity, key-person, regulatory, and concentration risks, producing a one-page risk register for the quarterly meeting.
Investment Strategy & Oversight
Asset allocation, manager selection and due diligence, investment policy, cash and FX coordination, and performance reporting.
Read the full pillar- IV.01.01
Define appropriate asset classes for the family's mandate
AnnualStendal defines the asset classes appropriate for the family's mandate, return target, liquidity needs, and time horizon, including any allocation to alternatives the family wishes to consider.
- IV.01.02
Oversee asset allocation across managers and strategies
QuarterlyStendal monitors the family's actual asset allocation against the target across all managers and strategies, surfacing drift for rebalancing decisions at the quarterly meeting.
- IV.01.03
Review and challenge tactical shifts proposed by the family's managers
As arisingStendal evaluates tactical shifts proposed by the family's investment managers against the IPS and the cross-portfolio picture, then signs off or pushes back on the manager's behalf.
Family Administration
Bookkeeping, annual financial statements, account reconciliation, and personal, corporate, and trust tax compliance across all entities.
Read the full pillar- V.01.01
Holdco #1: bookkeeping and maintenance of general ledger and trial balance
MonthlyStendal maintains the books for Holdco #1, recording transactions in the general ledger and producing a current trial balance ready for the annual financial statements and tax return.
- V.01.02
- V.01.03
Family Trust: bookkeeping for capital and income receipts and disbursements
MonthlyStendal maintains the family trust books, tracking capital and income receipts and disbursements separately as required by trust law and ensuring distributions are properly characterized for the T3 return.
- V.01.04
Family Trust: portfolio accounting via electronic feeds from custodian
MonthlyStendal ingests the family trust's portfolio activity directly from the custodian's electronic feed, eliminating manual reconciliation and producing real-time position reporting.
- V.01.05
Asset Protection Trusts: bookkeeping for capital and income receipts and disbursements
MonthlyStendal maintains the books for each Asset Protection Trust on the same monthly cadence as the family trust, preserving the documentation required to defend the trust's status if challenged.
- V.01.06
Compilation of income tax information for each holding company
AnnualStendal compiles the annual income tax information package for each holding company (T2 working papers, supporting schedules, dividend tracking, ACB roll-forward) and hands it to the family's preparer.
Strategic Philanthropy
Charitable goal-setting, annual gift planning, and structuring of private foundations or donor-advised funds.
Read the full pillar- VI.01.01
Facilitate determination of family's charitable goals and areas of interest
As arisingStendal facilitates structured conversations across the family to surface charitable goals and areas of interest, producing a written statement that anchors all subsequent gift-planning decisions.
- VI.01.02
Develop and review a philanthropic mission statement
AnnualStendal helps the family articulate a philanthropic mission statement and reviews it annually against giving experience and family evolution.
Engagement
One fee. One side. One office.
One fee
All work in scope under a single annual figure, agreed in writing, reviewed once a year. Sized to the complexity of the family's situation, not to the size of the balance sheet.
One side
Stendal sits on the family's side of the table. No commissions, trailers, retrocessions, or referral fees from any party in the family's chain. No proprietary product.
One office
Investment, tax, governance, and continuity carried in-house, by a small named team. The family retains every external advisor relationship; Stendal coordinates them.
Pillars
6
Service groups
28
Services
84
Revision
2026-05-25