While your private bank recommends the fund that pays the highest distribution fee, we build the strategy that pays your legacy.
Luiz Calado, PhD in Finance, CFP® and economist from USP, with post-doctoral research at Berkeley and 25 years leading M&A transactions above US$ 1 billion. No institutional ties, no off-the-shelf products, no distribution commission.
2026 calendar • 12 families per year
It is worth understanding why a private bank advisor tends to recommend the same products again and again.
“The greatest risk for a high-net-worth investor is not the market. It is the conflict of interest disguised as friendship.”
The private bank model is designed around the institution's revenue. What is called advisory is usually a distribution structure, with barely visible costs, misaligned incentives and no formal fiduciary duty.
Over 25 years I have sat on both sides of the table. I saw up close how billion-dollar institutions structure products to maximise their own profit — not the client's. I saw inheritances destroyed by fees, families torn apart by poorly handled succession conflicts and fortunes stagnating for lack of independent judgement.
That is why today I work with absolute independence. No off-the-shelf products. No hidden commissions. No loyalty to any institution. Only loyalty to your wealth, your family and the legacy you want to build.
I am an economist trained at USP, with post-doctoral research at the University of California, Berkeley, and a PhD in Finance. My career includes leading M&A transactions above US$ 1 billion, structuring more than 150 financial products and publishing more than 30 books.
As a CFP® certified financial planner (Planejar), I follow the most rigorous international code of ethics in the market. That means I am bound to place your interests above my own. That does not exist inside a private bank.
Wealth that lasts centuries, not just market cycles.
Every strategy is designed from scratch. There are no model portfolios. There are no off-the-shelf products. Only solutions.
Structures that protect and perpetuate wealth across generations with fiscal, legal and emotional efficiency.
Strategic allocation across traditional and innovative asset classes, with academic rigour and a long-term view.
Institutional guidance for the responsible inclusion of digital assets, with risk criteria and regulatory framing.
Aligning capital with environmental, social and governance criteria without giving up competitive returns.
Tailored solutions for entrepreneurs, family offices and institutional investors who demand excellence.
A deep, independent review of the current situation, including costs and conflicts that rarely appear on a statement.
Four stages, handled discreetly and without bureaucracy.
A 60-minute meeting, with no commitment, to understand your history, your objectives and what truly matters to you and your family.
A deep analysis of your current portfolio, identifying hidden fees, conflicts of interest and missed opportunities.
Design of a bespoke wealth architecture, aligned with your values, your risks and your long-term horizon.
Discreet execution, periodic reviews and continuous adjustments. You have an advisor, not a salesperson.
You have an advisor, not a salesperson.
Professionals who follow the work closely.
I hope Luiz Calado keeps building solid bridges between the academic world and everyday reality. A rarity in the Brazilian market.
Luiz Calado is one of the greatest figures in the history of financial education in Brazil. He offers deep, technical and enlightening work.
He produces excellent material for professional qualification. Calado has established himself as an author, combining practical experience with strong academic training.
“The difference between good wealth and a great legacy is the quality of the independent voice that guides it.”
I work with 12 families per year to ensure the depth and discretion this level of wealth requires.
