Hartwell & Sinclair advises high-net-worth individuals and family offices on structuring, risk management, and capital preservation — with no commissions and no hidden conflicts.
Explore Our Strategies
At Hartwell & Sinclair, every recommendation is shaped by a single question: what genuinely serves this client's long-term interests? We operate on a fee-only basis, which means our advisors are never incentivised to place assets in products that pay them commissions. Founded in Iași in 2011, we work with clients across Romania and the broader EU, drawing on a team of lawyers, actuaries, and licensed financial planners who specialise exclusively in capital protection structures. Our warm terracotta-cream offices on Str. Lăpușneanu reflect the deliberate, unhurried approach we bring to every mandate.
Four principles that distinguish fiduciary advisory from conventional wealth management.
We are remunerated solely by our clients. We receive no trailing commissions, no product placement fees, and no referral payments from insurers or fund providers — so our advice is structurally aligned with your interests, not ours.
We apply the same structuring frameworks used by European family offices and pension funds: capital-protected notes, segregated insurance wrappers, and diversified liability-matching strategies, scaled appropriately for individual mandates.
Our team monitors regulatory developments across EU member states on an ongoing basis. From ELTIF 2.0 reforms to Solvency II insurance wrapper rules, we ensure every structure remains compliant and tax-efficient as the landscape evolves.
Capital protection is measured in decades, not quarters. We build strategies designed to survive market dislocations, inflationary cycles, and changes in family circumstances — using stress-testing methodologies drawn from actuarial practice.
“I had worked with three advisory firms before Hartwell & Sinclair. The difference is that here, nobody is trying to sell me anything. After our first review in early 2022, they restructured my insurance wrappers and reduced my currency exposure before the volatility peak that autumn. That kind of foresight comes from people who genuinely think about preservation first.”
Andrei M., Iași — private client since 2019
Initial consultations are obligation-free and covered by professional confidentiality. We will assess whether our approach is the right fit before either party commits.
Request a ConsultationIași has a long tradition as a centre of legal and academic culture in Romania, and it is from this city that Hartwell & Sinclair has built relationships with clients in Bucharest, Cluj-Napoca, Vienna, and Frankfurt. Our office is intentionally small — a principal-led practice where senior advisors handle every client relationship directly, without delegation to junior staff. The terracotta-cream tones of our working environment are not incidental; they represent a deliberate aesthetic of warmth and permanence that we believe should characterise any institution entrusted with generational wealth. We do not manage money at volume; we advise with precision.