The Confiance Transition Protocol
Stabilise before strategising.
Meet the Hartleys (fictional)
Margaret was widowed eight months ago. The family business was sold in 2024, leaving about $82m across eight structures: five companies, a family trust, a unit trust and a super fund. Her private bank wants the portfolio reinvested within 60 days, and she does not know who now holds the family trust’s appointor role.
- MargaretAge 58
Widowed eight months ago (Richard). Sole director of all five companies.
- JamesAge 31
Commercial lawyer, married to Priya, one child.
- SophieAge 27
Ceramic artist, irregular income.
- TomAge 19
Engineering student.
The Confiance Transition Protocol
What it is
A staged process for the highest-risk moments in a life: separation, widowhood, inheritance, a business sale or a first appointment as trustee. No irreversible decision is made before day 90 unless the law requires it. The client makes every decision. We hold the timetable, brief the specialists and keep pressure from other parties at bay.
- Twelve months of living costs secured in the client’s own name
- Time to understand the position before anything is signed
- A clear sequence of decisions, with their consequences
- Specific steps for each life event, confirmed with the lawyer and tax agent
How it works: four phases, each ending at a gate
- Days 0–30
Stabilise
Liquidity, control, a full inventory, a pause on pressure.
- Days 30–90
Understand
The Map, an adviser review, cash flow and an options paper.
- Days 90–180
Decide
Investment policy first; then decisions in the agreed order.
- Day 180 on
Build
Into the Private Office, if the client chooses.
A worked example, using the Hartley family
Margaret’s first 180 days
Illustrative sample- Day 0
On Margaret’s instruction, we write to the bank to pause; the $38m stays in cash.
- Day 30
Full inventory of all eight structures on our reporting platform; 12 months’ liquidity confirmed.
- Day 90
Options paper reviewed. She understands her position and the order of decisions.
- Day 120
Investment policy agreed, successor appointor and estate documents signed.
The Hartley family is fictional and all figures are illustrative. This material is general information only and is not personal financial, tax or legal advice.
Where it’s usedSee it
WEALTH PICTUREThe day-30 inventory is loaded onto our reporting platform.
Solve it
TRANSITION · ADVOCACY · BUSINESS AND SUCCESSIONThe process behind the Transition service, and wherever a life event is the trigger.
Run it
PRIVATE OFFICEPhase 4 leads into the Private Office, if the client chooses.