Summary: A wealth manager typically starts with the portfolio. Centry is liability-driven: the portfolio is the output of the plan, not the starting point, built from residency, entities, liquidity, private investments, family goals and taxable impact.
How they compare
| Wealth manager | Centry | |
|---|---|---|
| Starting point | Portfolio and AUM | Liability-driven; portfolio is the output of the plan |
| Scope | Investable assets | All assets, liabilities, entities, tax and family |
| Tax integration | Separate; referred out | Tax and wealth reviewed together |
| Private investments | Often excluded from reporting | Included in the full balance sheet |
| Revenue model | AUM-based | Fee-based |
| Monitoring | Portfolio performance | Tax, wealth, deadlines and rule changes |
Where a wealth manager may be the better fit
A wealth manager may be the better fit if the primary need is portfolio management and investment selection, particularly where tax is straightforward and the client's complexity is concentrated in one jurisdiction.
Where Centry may be the better fit
Centry may be the better fit where the client needs tax and wealth reviewed together, where private investments, entities and liabilities need to be part of the picture, and where cross-border complexity makes standalone portfolio management insufficient.
Questions to consider
- Does your wealth manager see your full tax position, not just your portfolio?
- Are private investments, entities and liabilities part of your regular review?
- Who coordinates your wealth manager's decisions with your tax and estate advisers?
Important note
Website content is general information only. Personal tax advice requires a client engagement, review of the relevant facts and documents, and appropriate jurisdiction-specific analysis. This comparison is general information only and is framed around model fit. It is not tax, legal, investment or financial advice and does not claim that one model is best for every client. Where regulated investment advice or portfolio management is required, this is provided through our regulated partner Crito Capital, Empresa de Investimento, S.A., which is authorised and regulated by the CMVM in Portugal.