Personal Financial Project Management
Your trusted navigator through complex financial decisions.
Independent advisory for international clients navigating the European financial system, built on 25+ years within the world's leading financial institutions.
The Challenge
When your financial life is complex, who coordinates it all?
Banks are transactional
Your relationship manager has 300 clients. You are a number, not a priority.
Advisors work in silos
Your lawyer, accountant, and bank don't talk to each other. You fall in the gaps.
The European system is complex
As an international client, banking, tax, and property rules vary across jurisdictions and are hard to navigate alone.
Restructuring is demanding
Moving an offshore structure or reorganising assets requires coordinating multiple professionals simultaneously.
What I Do
I sit at the centre, so you don't have to.
One point of contact who manages your lawyers, bankers and advisors, keeps every workstream moving, and answers only to you.
Adviser Coordination
Your bank, lawyers and tax advisers working as one team: briefed, aligned and moving to a single plan, with me as your one point of contact.
Wealth Restructuring
Offshore-to-onshore migration, Cayman & BVI structure review, and complex multi-jurisdiction planning, fully coordinated.
Relocation to Europe
European banking for non-residents, financial organisation on arrival, and connection to the right professionals from day one.
Property & Mortgage
Buying property across Europe: coordinating banks and brokers, structuring ownership correctly, supporting every step.
Life Transitions
Divorce, inheritance, selling a business, retirement or a move abroad: helping you understand what changes financially, and handling it step by step.
Why Work With Me
The experience of an insider. The independence of an advocate.
I speak the language of banks
I know how banks think, what they need, and how to get things done faster.
Truly pan-European
UK, Ireland, Monaco, Switzerland: the full spectrum of European private banking.
I sit on your side
Independent. No product to sell. My only interest is your outcome.
Multi-language, multi-culture
Brazilian-born; lived in Brazil, Switzerland, the US and UK. I work natively across borders.
Project managed
I coordinate all parties and keep everything moving. You stay informed, not overwhelmed.
Discreet & trusted
Built on 25+ years of confidential relationships, from institutional desks to UHNW private clients.
Don't know where to start? That's exactly where I come in.
A first conversation costs nothing and commits you to nothing.
Services
Five areas. One point of contact.
Every engagement is scoped as a project: clear objectives, the right professionals, a defined timeline, and me coordinating all of it on your behalf.
Adviser Coordination
For clients whose bank, lawyers and tax advisers need to work as one team.
- A single point of contact for all your advisers
- Briefing and aligning banks, lawyers & tax advisers
- Keeping every workstream on schedule
- Clear updates, so you stay in control
Wealth Restructuring
For clients simplifying, consolidating or migrating complex structures.
- Offshore to onshore migration
- Cayman & BVI structure review
- Lawyer & tax advisor coordination
- Complex multi-jurisdiction planning
Relocation to Europe
For executives and families organising their financial life from day one.
- European banking setup for non-residents
- Financial organisation on arrival
- School fees & lifestyle planning
- Connecting to the right professionals
Property & Mortgage
For international buyers who want the whole process handled properly.
- Buying property across Europe
- Coordinating banks & brokers
- Structuring ownership correctly
- Supporting all paperwork & process
Life Transitions
For people facing a change that reshapes their financial life.
- Divorce & separation
- Inheritance & succession
- Retirement or the sale of a business
- Moving to a new country
Who I Serve
Global families & international clients with a connection to Europe.
Global families
Buying a home in Europe, relocating children for education, or accessing European banking as a non-resident.
Cross-border transitions
Executives and families relocating to London or Europe who need their financial life organised from day one.
Non-resident investors
International clients purchasing European property, needing full coordination of legal, banking and tax advisors.
Clients restructuring wealth
HNW & UHNW individuals with complex offshore structures looking to simplify, consolidate or migrate assets.
Divorce & wealth transition
Discreet, expert coordination during and after divorce: structuring assets, liaising with lawyers, rebuilding financial clarity.
Not sure you fit a category?
Most clients don't at first. Start a conversation →
How It Works
Simple, clear, personal.
Step 01
Initial conversation
We talk through your situation, your goals, and what needs to be done. No commitment required.
Step 02
Project scope
I map out what's needed, which professionals to engage, and a clear timeline and fee structure.
Step 03
I coordinate everything
I manage lawyers, bankers and advisors, keeping all parties aligned and you in control.
Step 04
You get results
Your transaction completes, your structure is in place, or your finances are organised. Done properly.
Every project starts with a conversation.
Tell me what you're facing and I'll tell you honestly whether and how I can help.
About
Raquel Franco
Financial Project Manager & Advisory. A career built inside the system you need to navigate.
Investment banking. Commercial banking. Private banking.
25+ years across top-tier US and European financial institutions, covering institutional and UHNW private clients across the US, Latin America and Europe.
Investment Banking – Markets
Advising global institutional investors from the trading floors of leading banks.
Commercial Banking
Client solutions and corporate advisory across international markets.
Private Banking
Trusted adviser to UHNWI, HNWI and families, managing complexity with discretion.
“From institutional desks to UHNW private clients: I now bring that full breadth of experience to work exclusively for you.”
Brazilian-born, Raquel has lived and worked in Brazil, Switzerland, the US and the UK. She works natively across borders, languages and cultures, and understands the full spectrum of European private banking, from London to Monaco, Ireland to Switzerland.
Today she is fully independent: no products to sell, no institution behind her, only her clients' outcomes.
Independent
No product to sell. Advice with a single interest: yours.
Discreet
Built on 25+ years of confidential client relationships.
Personal
You work with Raquel directly, never handed down the line.
Contact
Let's talk.
If you have a financial project, a property to buy, a structure to reorganise, or simply don't know where to start, get in touch.
The first conversation is free, and yours.
We'll talk through your situation, your goals, and what needs to be done. No commitment required. If I'm not the right person to help, I'll tell you, and point you toward someone who is.
Conversations are held in strict confidence, in English, Portuguese or Spanish, by phone, video call or in person in London.