What Perfect Circle does

Perfect Circle is a privately held international wealth management and advisory firm founded in 2008 by Pablo Cardona Vaselli, headquartered in San José, Costa Rica with a U.S. toll-free presence and operational footprint across approximately 45 countries in Europe, Latin America, and the Caribbean. The firm targets high-net-worth individuals and families, offering an integrated five-pillar platform: Wealth X financial education, Personal Insurance Solutions, Investment Plans (savings, retirement, education), Investment Portfolios managed through U.S. and Swiss custodian/brokerage firms, and Legal Structures for wealth protection. Distribution is executed almost entirely through a channel-partner model, leveraging a curated roster of more than 40 institutional partners, including top-tier U.S. and Swiss custodians (Goldman Sachs, Morgan Stanley, BNY Mellon, JPMorgan, UBS) and global insurers (Lloyd's, Allianz, AIG, Cigna, Bupa Global, Manulife, Lincoln Financial, MassMutual, Transamerica, John Hancock).

Operationally, Perfect Circle runs regional divisions covering Mexico, Colombia, the Caribbean, Costa Rica, Guatemala, and Honduras, supported by 13+ named executives and directors spanning Commercial, Operations, Wealth Management, Life & Investments, Strategic Solutions, Business Process, and advisory roles. The firm has no disclosed technology platform, no proprietary AI/ML capabilities, no app, and no public API; pricing is bespoke and not publicly disclosed, with revenue generated through advisory fees, insurance commissions, and management fees on investment portfolios. Ownership is founder-led with no identified institutional investment, M&A activity, or external parent company.

The business is a relationship-driven advisory intermediary rather than a technology or product company. Its competitive position rests on geographic reach (45 countries), institutional partner access, long-tenured advisory staff, and a multi-pillar integrated offering under a single brand. With 11-50 employees and founder ownership, scaling to date has been organic and partner-financed; the firm clarifies that in jurisdictions such as Costa Rica, Guatemala, and Honduras it operates as an international advisory rather than a locally authorized insurance or securities intermediary.

Name

Perfect Circle

Website

https://en.perfectcircle.life

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Perfect Circle is a privately held, founder-led international wealth management and advisory firm founded in 2008, serving high-net-worth individuals and families across approximately 45 countries in Europe, Latin America, and the Caribbean through an integrated five-pillar offering (education, insurance, investment plans, managed portfolios, and legal structures).

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industry

Affluent / Mass-Affluent Private Banking (FSABADAC)

Keywords

• Wealth management services
• Financial advisory services
• Personal insurance solutions
• Investment portfolio management
• Financial planning services

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Wealth Management Advisory Services: Comprehensive wealth management firm that designs financial plans, provides financial education through Wealth X platform, offers personal insurance solutions, investment plans for savings, retirement, and education, and manages investment portfolios through custodians and brokerage firms in the U.S. and Switzerland. Revenue is generated through advisory fees, commissions on insurance products, and potentially management fees on investment portfolios.

Go-to-market motion1 record

Distribution channels1 record

Core offering

Perfect Circle is a wealth management and advisory firm that designs comprehensive financial plans for high net worth individuals and families. It delivers its offering through five integrated service areas: financial education via the Wealth X platform, personal insurance solutions, investment plans for savings, retirement, and education funding, investment portfolios managed through U.S. and Swiss custodians and brokerage firms, and legal structures to protect and manage wealth.

Product overview

Perfect Circle is a wealth management firm offering a unified platform of services designed to protect, invest, and comprehensively manage client wealth. The core offering comprises five integrated service areas: Wealth X (financial education), Personal Insurance Solutions, Investment Plans (savings, retirement, education), Investment Portfolios (managed through U.S. and Swiss custodians/brokerage firms), and Legal Structures. The company operates internationally, primarily serving Europe, Latin America, and the Caribbean, with presence across 45 countries through its distribution channels and partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• Wealth X: Financial education platform operated by Perfect Circle

Products and services

• Wealth X

Quantifiable outcome

• Served thousands of families across Europe, Latin America, and Caribbean

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

44 partnerships are on record, tiered core, strategic and minor.

• The Liberty CompanycoreStrategic or Co-development PartnerAccording to leading insurance industry publication The Hales Report, The Liberty Company is the fastest growing privately held insurance brokerage in the U.S. over the past 4 years. Founded in 1987, licensed to operate in all 50 states, and grown consistently and exponentially in recent years. Producer-focused, family-owned, and fiercely independent insurance services firm.
• BAC (BAC Financial)strategicStrategic or Co-development PartnerStrategic alliance partner in financial services.
• InsigneostrategicStrategic or Co-development PartnerStrategic alliance partner.
• PrivatamstrategicStrategic or Co-development PartnerStrategic alliance partner for private wealth services.
• Sfera (Sfera Legal)strategicImplementation/ SI/ Consulting PartnerLegal structures and instruments partner.
• Idoneus GlobalstrategicStrategic or Co-development PartnerStrategic alliance partner.
• NB AtlanticstrategicStrategic or Co-development PartnerStrategic alliance partner in Atlantic region.
• Redbridge InsuranceminorStrategic or Co-development PartnerInsurance partner representing risk management solutions.
• Vumi (Vumi Group)minorStrategic or Co-development PartnerInsurance partner providing coverage solutions.
• Lloyds (Lloyd's of London)coreStrategic or Co-development PartnerWorld-renowned insurance market providing comprehensive coverage solutions through Lloyd's syndicates.
• AllianzcoreStrategic or Co-development PartnerGlobal insurance and financial services company, one of the world's largest insurers.
• Manhattan LifeminorStrategic or Co-development PartnerInsurance partner providing life and health insurance solutions.
• American FidelityminorStrategic or Co-development PartnerInsurance partner specializing in supplemental insurance products.
• Trawick InternationalminorStrategic or Co-development PartnerInsurance partner providing international travel and health insurance.
• John HancockcoreStrategic or Co-development PartnerInsurance and investment subsidiary of Manulife, providing life insurance and wealth management solutions.
• Lincoln Financial GroupcoreStrategic or Co-development PartnerFortune 250 financial services company providing retirement, life insurance, and group benefits.
• SymetraminorStrategic or Co-development PartnerInsurance partner providing employee benefits and annuity products.
• MassMutualcoreStrategic or Co-development PartnerLeading mutual life insurance company providing life insurance, disability income insurance, and retirement planning.
• Morgan White GroupminorStrategic or Co-development PartnerInsurance partner providing employee benefits and insurance solutions.
• Ever Insurance GlobalminorStrategic or Co-development PartnerGlobal insurance partner providing international coverage solutions.
• TransamericacoreStrategic or Co-development PartnerAegon's US subsidiary providing life insurance, investments, and retirement solutions.
• Now Health InternationalminorStrategic or Co-development PartnerInternational health insurance provider for expats and globally mobile individuals.
• PALIG (Pan-American Life Insurance Group)minorStrategic or Co-development PartnerLeading provider of insurance and financial services in Latin America and the Caribbean.
• April InternationalminorStrategic or Co-development PartnerInternational health insurance specialist for expatriates and travelers.
• HiscoxminorStrategic or Co-development PartnerSpecialty insurer providing professional liability, property, and casualty insurance.
• IMG (International Medical Group)minorStrategic or Co-development PartnerGlobal insurance and assistance company specializing in international health insurance.
• CignacoreStrategic or Co-development PartnerGlobal health service company providing medical, dental, disability, and behavioral health coverage.
• Bupa GlobalcoreStrategic or Co-development PartnerInternational healthcare group providing health insurance and medical services worldwide.
• BMI (Best Doctors Insurance)minorStrategic or Co-development PartnerInsurance partner providing medical evacuation and international health insurance.
• Griffin InsureminorStrategic or Co-development PartnerInsurance partner providing coverage solutions.
• Best Doctors InsuranceminorStrategic or Co-development PartnerInsurance partner specializing in medical evacuation and second opinion services.
• ManulifecoreStrategic or Co-development PartnerCanadian multinational insurance company and financial services provider, one of the largest in the world.
• AetnacoreStrategic or Co-development PartnerCVS Health company providing health insurance, dental, pharmacy, and behavioral health solutions.
• AIG (American International Group)coreStrategic or Co-development PartnerMulti-line insurance company providing property casualty insurance, life insurance, and retirement benefits.
• LWG (LWG Life)strategicStrategic or Co-development PartnerPartner for structures and instruments for investment purposes.
• Dominion (Dominion CS)strategicStrategic or Co-development PartnerPartner for legal structures and investment instruments.
• Manhattan TruststrategicStrategic or Co-development PartnerTrust and wealth management services partner.
• Investors TruststrategicStrategic or Co-development PartnerInvestment plans and savings partner providing retirement and education investment solutions.
• BNY MelloncoreStrategic or Co-development PartnerInvestment accounts and custodian partner - one of the world's largest asset management companies providing investment custody services.
• Goldman SachscoreStrategic or Co-development PartnerInvestment accounts and custodian partner providing wealth management and investment services.
• Morgan StanleycoreStrategic or Co-development PartnerInvestment accounts and custodian partner providing brokerage and wealth management solutions.
• JPMorgan ChasecoreStrategic or Co-development PartnerInvestment accounts and custodian partner - one of the largest banking institutions globally.
• UBScoreStrategic or Co-development PartnerInvestment accounts and custodian partner - Swiss multinational investment bank and financial services company.
• StoneXminorStrategic or Co-development PartnerInvestment accounts and custodian partner providing financial services.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Lombard Odier: Swiss private bank and wealth manager focused on HNW/UHNW individuals and families, combining investment advisory, custody, and wealth structuring services for international clients. Comparable to Perfect Circle's Swiss-custody-led, advisory-centric model serving cross-border families.
• Pictet Group: Swiss private wealth and asset management firm serving HNW individuals globally with bespoke investment portfolios, custody, and wealth planning — directly comparable to Perfect Circle's portfolio-through-Swiss-custodians and planning-led approach.
• Vontobel: Swiss wealth and investment manager offering portfolio management, financial planning, and wealth structuring for international HNW clients. Similar in combining Swiss-based custodianship with cross-border advisory reach.
• Larrain Vial: Independent Latin American wealth management and investment firm headquartered in Chile, serving HNW families and institutions across the region with advisory, investment management, and wealth planning services.
• J. Safra Sarasin: Swiss private banking group catering to HNW and UHNW internationally with bespoke portfolio management, wealth planning, and custody — closely aligned with Perfect Circle's Swiss-custody and cross-border family-wealth orientation.

Broad incumbents

• BTG Pactual Wealth Management: Largest Latin American investment platform offering wealth management, brokerage, and asset management to HNW individuals across Brazil and broader LatAm. A scaled incumbent competing for the same HNW segment Perfect Circle targets.
• UBS Global Wealth Management: World's largest global wealth manager with deep HNW/UHNW coverage and Swiss-custody heritage. Also a Perfect Circle partner, and a direct competitor whose brand and product breadth dwarf the boutique.
• Morgan Stanley Wealth Management: Global HNW wealth management franchise with extensive advisor network, custody, and investment capabilities. Core Perfect Circle partner that also competes for the same cross-border affluent client wallet.
• Goldman Sachs Personal Financial Management: Goldman Sachs's HNW advisory and wealth planning business offering customized portfolios, planning, and access to institutional products. Partner and competitor to Perfect Circle's planning-led offering.
• St. James's Place: UK-based wealth advisory firm providing face-to-face financial planning, investment, and wealth preservation services to HNW individuals through a partner-advisor model. Comparable partner-mediated, planning-led wealth advisory structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/perfcircle
• Facebookfacebook.com/PerfectCircleInc
• LinkedInlinkedin.com/company/perfect-circle-inc-

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Perfect Circle