Risk Management Advisory for Family Offices in LuxembourgWe protect and grow yourLuxembourg family wealth

Family Office services in Luxembourg

Luxembourg, Europe’s pre-eminent private-wealth and fund-management centre, offers ultra-high-net-worth families unparalleled access to regulated investment vehicles, cross-border tax treaties, and political stability. However, harmonizing Luxembourg’s specialized fund frameworks—such as UCITS, AIFM-regulated SICAVs, SOPARFIs, and family-office holding structures—with OECD-driven BEPS measures, EU Anti-Tax Avoidance Directive (ATAD) rules, and stringent FATCA/CRS reporting demands integrated family office services in Luxembourg. VelesClub Int., your dedicated family office advisor in Luxembourg, consolidates a curated network of leading local and international partners into one seamless platform. Through bespoke asset management, proactive tax planning, advanced wealth structuring, and white-glove concierge support, we safeguard and grow your capital—ensuring efficient intergenerational transfer and alignment with your family’s long-term objectives.

Economic and regulatory landscape in Luxembourg

Luxembourg’s economy—measured at over €70 billion in GDP—is underpinned by its fund-management sector, private banking, and domicile of holding companies. The Commission de Surveillance du Secteur Financier (CSSF) regulates banking, fund vehicles, and trustees under robust compliance frameworks. The Administration de l’Enregistrement, des Domaines et de la TVA oversees tax matters including transfer duties, net wealth tax, and VAT regimes. Luxembourg’s extensive double-tax treaty network covers over 80 jurisdictions, facilitating cross-border investment—but families must also comply with EU Council Directive (EU) 2018/822 (DAC6) on reportable cross-border arrangements. Luxembourg law allows specialized investment vehicles such as SICARs, Reserved Alternative Investment Funds (RAIFs), and family-office SOPARFIs. VelesClub Int. maintains continuous engagement with the CSSF, tax authorities, and fiduciary advisors—transforming regulatory complexity into strategic levers that preserve and optimize wealth.

Why specialized family office services matter in Luxembourg

Generic wealth-management approaches often fail to capture Luxembourg’s blend of regulated fund expertise, cross-border tax efficiencies, and high-net-worth residence planning. Key considerations include:

• Fund-vehicle complexity: UCITS and AIFM-regulated structures require ongoing CSSF reporting, depositary oversight, and risk-management frameworks.
• BEPS & ATAD compliance: Substance-over-form requirements and interest-limitation rules demand active governance, local presence, and meticulous tax modeling.
• DAC6 and CRS reporting: Families and their entities must automate disclosure of cross-border arrangements and beneficial-ownership registers.
• Real-estate and holding tax nuances: Transfer duties up to 6 percent, net-wealth taxes, and withholding on rentals require bespoke holding-company designs.
• Residency and succession planning: Luxembourg’s favourable inheritance-tax reliefs for descendants hinge on precise trust or fondation structuring.

VelesClub Int.’s family office services in Luxembourg embed continuous legislative monitoring, multi-disciplinary risk modeling, and unified compliance governance—converting these challenges into strategic advantages that protect your legacy and maximize after-tax returns.

Core services: asset management, tax planning, and wealth structuring

Our Luxembourg platform rests on three interconnected pillars:

• Asset Management: We design bespoke portfolios merging global equities, fixed-income instruments, private-equity co-investments through RAIFs, regulated SICAR venture vehicles, and alternative assets such as art, wine, and real estate. Utilizing quantitative risk analytics, scenario-based stress tests for currency and market cycles, and dynamic rebalancing algorithms, we align investments with your return objectives, liquidity needs, and ESG mandates. A secure digital portal provides live dashboards for performance metrics, exposure tracking, and scenario modeling.
• Tax Planning: Leveraging Luxembourg’s 17 percent corporate tax rate, patent-box regime, participation-exemption rules, and extensive DTA network, our specialists craft optimized structures—SOPARFIs, family-office Holding SA, and non-resident foundations—to minimize corporate, wealth, and inheritance taxes. We handle all filings with the Administration de l’Enregistrement et des Domaines, coordinate VAT and net-wealth tax compliance, and secure advance tax rulings for clarity under BEPS guidelines.
• Wealth Structuring: Preserving intergenerational capital in Luxembourg requires robust legal vehicles. We establish foundations (“fondation privée”) under the Law of 6 August 2009, tailor-held family offices as SOPARFI or Holding SA, and coordinate trust-style legacy structures for cross-jurisdictional assets. Detailed governance charters, board structures, and beneficiary protocols protect assets from creditor claims, mitigate estate duties, and codify family values for seamless transfer.

Regulated fund-vehicle advisory

Luxembourg’s leadership in fund administration demands specialized expertise. VelesClub Int. partners with top depositaries and management companies to establish UCITS-IV and V funds, AIFM-regulated RAIFs, and SICARs for venture-capital exposures. We manage CSSF filings, risk-management function oversight, and delegation protocols. Our teams coordinate with legal advisors to ensure full compliance with KIID, PRIIPs KID, and AIFMD Annex IV reporting—maximizing fund-structure flexibility while meeting investor due diligence requirements.

Cross-border tax and compliance solutions

Families operating across EU and non-EU jurisdictions must navigate FATCA, CRS, and DAC6. VelesClub Int. implements integrated compliance platforms, automating reference-data reconciliation and report submission to the CSSF, LuxTrust, and national tax authorities. We liaise with private-bank compliance officers, manage beneficial-ownership registers under the Amended Law of 13 January 2019, and advise on substance requirements for IP-holding companies to optimize treaty benefits under Luxembourg’s network of DTAs.

Private-wealth real-estate and holding structures

Luxembourg’s prime real-estate market—ranging from Kirchberg apartments to pastoral estates in the Moselle Valley—carries transfer duties (6 percent on resale), net-wealth tax assessments, and municipal levies. VelesClub Int. designs SOPARFI or Holding SA vehicles to hold property assets, coordinates parametric insurance programs for flood and windstorm risk, and arranges phased acquisition financing with local banks. We negotiate with notaires for optimal cadastral registration, leverage accelerated depreciation regimes, and integrate rental-income withholding optimizations under the Luxembourg-Germany DTA for cross-border portfolios.

Residency, succession, and philanthropic planning

Luxembourg’s residency regime and family-foundation frameworks offer inheritance-tax efficiencies for direct descendants. VelesClub Int. structures “fondation privée” for philanthropic legacies, advises on qualifying minimum capital and board composition under the Law of 6 August 2009, and coordinates family assemblies to codify governance charters. For cross-border families, we implement lifetime gift strategies and testamentary dispositions under Luxembourg Code civil provisions—ensuring generational continuity without onerous succession duties.

Client onboarding and bespoke customization

Our Luxembourg engagement begins with a structured onboarding process to align with your family’s heritage, values, and strategic goals:

• Stakeholder interviews: Confidential sessions with family principals, in-house counsel, and tax advisers to define objectives, risk tolerance, philanthropic aims, and succession priorities.
• Comprehensive due diligence: Multi-jurisdictional assessments—financial, legal, reputational, ESG, and compliance—including KYC/AML audits, asset verifications, beneficial-ownership identification, and tax-leakage modeling.
• Strategic blueprint: A bespoke roadmap mapping governance structures, investment mandates, tax-planning directives, succession protocols, philanthropic vehicles, and concierge services—tailored precisely to Luxembourg’s economic and regulatory environment.
• Secure digital portal: Real-time dashboards for portfolio analytics, tax-scenario modeling, compliance tracking, and document repositories—ensuring centralized control and transparent oversight.
• Adaptive service model: Continuous recalibration of investment strategies, legal frameworks, and operational processes to respond swiftly to regulatory updates, market shifts, or evolving family dynamics.

How VelesClub Int. empowers UHNW families in Luxembourg

VelesClub Int. underpins its Luxembourg services with multidisciplinary expertise in finance, law, and fiduciary management. Clients benefit from:

• Exclusive fund-vehicle pipelines: Privileged co-investments in regulated AIFs, venture fund RAIFs, and real-estate SICARs—vetted through rigorous due diligence and partner-governance committees.
• Privileged banking and custody relations: Tailored credit facilities, multi-currency accounts, and custody solutions with leading private banks and depositaries—optimizing execution, collateral efficiency, and operational security.
• Philanthropy and impact advisory: Structuring family foundations, endowment funds, and social-impact vehicles under Luxembourg’s Law of 6 August 2009—maximizing social return and tax efficacy.
• Concierge and lifestyle services: End-to-end support for luxury real-estate management, private aviation logistics via Luxembourg Airport, bespoke event production, and high-touch lifestyle facilitation.
• Innovation and network partnerships: Direct access to Luxembourg House of Financial Technology (LHoFT), European Investment Fund collaborations, and cross-border fintech accelerators—enabling first-mover allocations in frontier technologies.

Key sectors and investment themes in Luxembourg

• Fund management & regulated vehicles
• Cross-border tax & compliance
• Private-wealth and estate planning
• Real estate & infrastructure
• Philanthropy & family foundations
• Alternative assets & innovation

Conclusion and next steps with VelesClub Int.

Choosing VelesClub Int. as your family office advisor in Luxembourg means partnering with a multidisciplinary team that transforms the Grand Duchy’s regulatory complexity into strategic opportunity. Our integrated platform—spanning bespoke asset management, proactive tax planning, advanced wealth structuring, and premier concierge services—ensures your family’s capital thrives across sectors, jurisdictions, and generations. From regulated-fund structuring and cross-border compliance to private-wealth holding solutions and philanthropic legacies, VelesClub Int. combines local insight with global networks to deliver resilient, growth-oriented wealth solutions. Schedule a confidential consultation with our Luxembourg specialists today to explore how VelesClub Int. can optimize, protect, and grow your private wealth—building enduring prosperity for your family’s future.