ISGAM: Family office services for high-net-worth families and individuals

When we think of a “family office”, we often imagine a suite of wealth management services reserved for ultra-high-net-worth individuals who have hundreds of millions in assets.

But what about families with significant wealth - say, between $1 million and $50 million - who still face complex financial questions? Can they benefit from the same expertise and structure? And how do they access these services without the infrastructure (or price tag) of a traditional single-family office?

ISGAM is the answer. ISGAM has been helping internationally mobile families, entrepreneurs and professionals structure and manage their wealth in ways that echo the best of family office thinking, without requiring institutional-level wealth.

What do family offices actually do?

A classic family office coordinates everything from investment management and estate planning to philanthropy, succession strategy, tax structuring and even concierge services. The key is centralisation and personalisation, ensuring that all aspects of a family’s financial life are managed cohesively and in line with their values and long-term objectives.

While a single-family office may be out of reach for those with assets below $200 million, many of these services are still relevant and necessary. In fact, as families grow and their lives become more internationally connected and financially layered, the need for integrated advice becomes more urgent.

Introducing the multi-family office

ISGAM has built a model around this challenge, specifically designed to help clients with $1-20 million in liquid assets, which often translates to a total wealth of $5–50 million. Clients get access to a dedicated relationship manager, a network of tax and legal professionals and institutional-level investment management, without having to build that infrastructure themselves.

"Many of our clients are business owners, professionals, or global families who don’t consider themselves ultra-wealthy, but still want high-quality advice and coordination," says a representative from ISGAM AG’s relationship management team. "They’re looking for continuity, discretion, and planning across generations - and that’s exactly what we offer."

To see if a multi-family office is the right solution for you, consult an ISGAM advisor today

Investment management that fits

At the heart of family office services is thoughtful, long-term investment management. But rather than trying to replicate institutional models, ISGAM offers personalised portfolios that are diversified across geographies and asset classes, with risk tolerance and life stage in mind.

This tailored asset management is especially valuable for clients who are transitioning into retirement, managing liquidity from a business sale, or planning for future generations.

Importantly, ISGAM is management-owned and independent, which means clients aren’t being steered toward in-house products. As the firm puts it, “Our only interest is in serving yours.”

Cross-border expertise

Many families today live across jurisdictions or have ties to multiple countries. This adds layers of complexity in terms of tax, compliance and estate planning. A family office solution, however lean, must take a cross-border approach.

That’s why ISGAM maintains long-standing relationships with trusted legal and tax professionals in key jurisdictions, acting as a central point of coordination for clients navigating rules in Switzerland, the UK, South Africa, the EU or the US.

What does this mean in real life?

A typical situation that ISGAM would handle would involve a family that...

• Began work in country A and now resides in country B, so has private and state pensions in both countries.
• Owns real estate in countries A (rented out), B (primary residence) and C (lived in by elderly parents).
• Whose children attend school in countries B and D.
• With financial assets held and managed via a trust in country E and a personal portfolio in country B.

Traditional asset managers may focus solely on investments, but ISGAM brings together all the pieces of this puzzle.

A flexible model that grows with you

Perhaps the greatest benefit of working with ISGAM is flexibility. Clients can dial up or down the level of support depending on their stage of life, upcoming events (like a sale, relocation, or inheritance), or the needs of the next generation.

This allows for a sophisticated and evolving strategy, without the overheads of a dedicated team.

Get started with a conversation

Even without $50 million in assets, families can - and should – access the kind of integrated advice that supports their unique goals. Whether you’re building wealth, preserving it or preparing the next generation, a conversation with a trusted advisor can be the first step in building your own version of a family office.