Why can you trust the Cluster Group?

Trust is earned by proving yourself

The team of professionals at Grupo Cluster and Banco Alcalá comprises specialists in various areas of wealth management.

It has an extensive network of prestigious partners, with whom it provides a comprehensive service, such as Banco Alcalá, for whom we act as authorised agents. This network of partners, together with Cluster Family Office’s in-house team of professionals, enables us to best meet all the needs of families and their estates.

The professionals at the Cluster Group are guided by the standards of conduct set out in the CFA Institute Code of Ethics.

With the aim of:

To ensure the aligning our interests with those of our clients
To provide the best possible deal
To ensure the professional conduct

The CFA Institute Code of Ethics sets out the ethical and professional responsibilities of wealth management firms and provides standards and guidance to support them.

Cluster Family Office – A bit more about us

«We are committed to transparency both in our management and in the way we work»

Cluster Family Office It is, in fact, an international multi-family office based in Barcelona, with offices in Madrid and Mexico.

The Cluster Group, as an agent for Banco Alcalá, is dedicated to comprehensive wealth management and advisory services, as well as support and advice on setting up or optimising a Family Office single-family homes or Single Family Offices.

Cluster Family Office was established from the family office of the company’s founder, which has been managing the family’s assets for more than two decades.

After extending his approach to his family and social circle, The company became the Cluster Group, which includes a multi-family office that professionally safeguards the personal and family interests of our clients and their assets are managed in line with their medium- and long-term life goals.

Cluster Family Office has no shareholding links with:

The world of banking
Companies in private equity o
Signatures from the legal and tax sector

Our origins and Our way of working enables us to take a holistic view of wealth management and to remain completely independent.

Cluster Family Office’s Ethical Criteria

The CFA Institute is a global association of investment professionals which awards the CFA (Chartered Financial Advisor) and CIPM (Certificate in Investment Performance Measurement) qualifications.

It promotes the highest ethical standards and offers a range of training opportunities worldwide.

The Code of Ethics for Wealth Managers states that the responsibilities which wealth managers must fulfil towards their clients are:

Always act in a way that professional and ethical
Always think about for the benefit of customers
To be independent and objective
To act with knowledge, competence and diligence
Communicate with customers regularly and accurately
Support the regulations which govern the capital markets.

The CFA Code of Ethics is organised into six categories of principles which set out the professional conduct expected of investment managers.

Each category sets out the ethical standards that define the responsibilities of managers when providing wealth management services to clients:

A. Loyalty to customers
B. Investment Process and Shares
C. Trading in financial instruments
D. Risk management, regulatory compliance and support
E. Development and Assessment
F. Other information.

Some examples of the standards set out in the Code are as follows:

Managers must:

Putting the client’s interests before one’s own
Exercise reasonable and prudent judgement when managing client assets
Establish policies to ensure a fair allocation of assets among the various clients
Employ qualified professionals and sufficient technological and human resources to conduct in-depth research, analyse, implement and monitor investment decisions
To present information on changes in returns that it is fair, accurate, relevant, timely and complete
The Managers they must not misrepresent the performance of the portfolios neither individuals nor their company
Communicate with customers regularly and promptly

The Code sets a minimum standard for ethical conduct, whilst allowing managers flexibility depending on the size and structure of each firm.

The guidance set out in the Code enables Managers to develop their own compliance policies and procedures that meet any additional regulatory requirements.

For all these reasons, placing your trust in Cluster Family Office ensures that your global assets will be managed competently and honestly.

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Our team

Javier Mariana

Managing Partner

Gian Paolo Amato

Managing Partner

Àngels Descamps

Legal - Back Office

Cristina Fernández

Back Office Assistant

Alfonso Carrillo

Partner

Joan Albert Mercader