Zentral Family Office

What Zentral Family Office does

Zentral Family Office is a privately-held multifamily office headquartered in Panama City, Panama, that serves high-net-worth Latin American families with comprehensive wealth management and patrimonial advisory services. Founded in 2023 and regulated by the Superintendencia del Mercado de Valores de Panamá (SMVP), the firm operates a secondary office in Bogota, Colombia, and coordinates with global custodians across the United States and Switzerland. Its target clientele consists of HNW families whose wealth is fragmented across multiple banks, jurisdictions, and asset classes, and who require independent, conflict-free advisory to preserve and grow their patrimony across generations.

The firm delivers five integrated services: Asesoría Patrimonial (patrimonial advisory), Gestión y Monitoreo de la Estrategia Patrimonial (strategy implementation and monitoring), Consolidación de la Información (information consolidation), Capacitación Financiera (financial education), and Acompañamiento Tributario, Legal y Contable (tax, legal, and accounting coordination). The consolidation service is built on Masttro, a Swiss fintech platform that enables families to view 100% of their investments across custodians and jurisdictions in a single real-time statement. Zentral also leverages iCapital for access to alternative investments and works with an institutional network that includes Morgan Stanley, Merrill Lynch, Deutsche Bank, Vontobel, Julius Baer, Santander, Insigneo, Itau, Alex Brown, and SVM.

Zentral generates revenue through bespoke advisory fees billed annually to a concentrated base of approximately 85 family clients, with no public pricing disclosed. According to the company's own disclosures, the team carries 22 years of combined financial-markets experience and reports a 9.22% annualized return on moderate-risk portfolios over the past five years. The firm is led by founder and CEO Santiago Jaime and pursues a consultative, relationship-driven go-to-market rather than product distribution, emphasizing personal advisor-client engagement over transactional sales channels.

Name

Zentral Family Office

Legal name

Zentral Family Office

Website

https://zentralfamily.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Zentral Family Office is a Panama-based, SMVP-regulated multifamily office serving high-net-worth Latin American families with patrimonial advisory, investment strategy, consolidated reporting (via Masttro), financial education, and tax/legal/accounting coordination services.

Ownership category

akta.pro rank

Product category

Multifamily Office / Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Family Office Services (Single & Multi-Family Office) (FSABADAF)

akta.pro secondary industries

Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC), Estate Planning, Trust Structuring & Governance (FSAAADAF), Family Office Investment Platforms & Direct Investing (PE/VC/Co-Invest) (FSAAADAH)

Keywords

• Multifamily office services
• Wealth management advisory
• Patrimonial advisory
• Investment consolidation
• Financial education

Headquarters

HQ city

Panama City

HQ country

Panama

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Wealth Management Advisory Fees: Zentral operates as a multifamily office providing professional wealth management advisory services to Latin American families. Revenue is generated through advisory fees for managing family patrimonies, implementing investment strategies, and providing comprehensive financial services including tax, legal, and accounting advisory coordination.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Zentral Family Office is a multifamily office that delivers integrated wealth management and patrimonial advisory services to high-net-worth Latin American families. Its offering combines five core services: patrimonial advisory, strategy implementation and monitoring, real-time investment consolidation via the Masttro platform, financial education, and coordination of tax, legal, and accounting best practices. The firm is regulated by the Superintendencia del Mercado de Valores de Panamá and operates from Panama City and Bogota.

Product overview

Zentral Family Office is a Multifamily Office serving Latin American families. The company offers five integrated services: Asesoría Patrimonial (independent advisory to define the best strategy for managing liquidity), Gestión y Monitoreo de la Estrategia Patrimonial (implementation and permanent monitoring with disciplined risk management), Consolidación de la Información (real-time consolidated view of 100% of investments via Masttro platform), Capacitación Financiera (financial education programs), and Acompañamiento Tributario, Legal y Contable (alignment of tax, legal, and accounting practices). Together, these services form a comprehensive wealth management ecosystem designed to help families control, protect, and grow their patrimony across generations.

Differentiator

Problem solved

Functional benefit

Products and services

• Asesoría Patrimonial (Patrimonial Advisory)
• Gestión y Monitoreo de la Estrategia Patrimonial (Strategy Implementation and Monitoring)
• Consolidación de la Información (Wealth Information Consolidation)
• Capacitación Financiera (Financial Education)
• Acompañamiento de las Buenas Prácticas Tributarias, Legales y Contables (Tax, Legal and Accounting Best Practices Coordination)

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• MasttrocoreTechnology or IntegrationMasttro is the primary technology platform used by Zentral for wealth consolidation and portfolio monitoring. It is a Swiss platform recognized internationally for its security standards and reliability, allowing families to view 100% of their investments consolidated in real-time.
• iCapitalcoreTechnology or IntegrationiCapital provides access to alternative investments and funds, expanding the investment options available to Zentral's family clients beyond traditional securities.
• Morgan StanleyminorOthersOne of the financial institutions where Zentral's clients hold investments and assets, working in coordination with Zentral's advisory services.
• Merrill LynchminorOthersOne of the financial institutions where Zentral's clients hold investments and assets, working in coordination with Zentral's advisory services.
• Deutsche BankminorOthersOne of the financial institutions where Zentral's clients hold investments and assets, working in coordination with Zentral's advisory services.
• VontobelminorOthersSwiss financial institution where Zentral's clients hold investments, particularly relevant for Swiss-based wealth management.
• Julius BaerminorOthersSwiss financial institution where Zentral's clients hold investments, particularly relevant for Swiss-based wealth management.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Regional players

• LarrainVial: Chile-based wealth management and asset management group with cross-border LatAm reach — competes for wealthy Chilean and broader LatAm family clients seeking independent advisory and consolidated reporting.

Broad incumbents

• Lombard Odier: Swiss private bank with a dedicated Latin American desk serving HNW families across the region — competes with Zentral in the cross-border LatAm/Switzerland wealth corridor where Zentral's clients hold assets.
• BTG Pactual Wealth Management: Largest Latin American wealth manager with significant HNW and family office coverage across Brazil, Chile, Colombia, Mexico, and Peru — a much larger incumbent whose regional wealth business overlaps with Zentral's target market.
• Stonehage Fleming: International family office and wealth advisory firm with a long-standing Latin American practice serving HNW families across jurisdictions — comparable multi-jurisdictional, multi-generational service model.
• Julius Baer: Swiss wealth manager with an established LatAm HNW practice and one of Zentral's named custodian partners — competes at the upper end of the regional HNW market for the same families Zentral serves.
• Vontobel Wealth Management: Swiss wealth manager with a Latin American family-office practice — already a named custodian for Zentral's clients and a direct competitor for cross-border HNW advisory mandates in the region.
• Pictet Group: Swiss wealth and asset manager with a strong presence serving wealthy Latin American families — comparable international custodian/advisory combination that Zentral coordinates with for client assets.

Direct peers

• Accuro Family Office: Multifamily office serving Latin American families with wealth advisory, consolidation, and cross-border coordination services — overlapping with Zentral's clientele, service pillars, and Panama/LatAm positioning.
• WE Family Offices: Miami-based multifamily office focused on serving high- and ultra-high-net-worth Latin American families — the closest direct competitor to Zentral, with a comparable cross-border (US/LatAm) footprint and family-centric service model.
• Gamma Capital: Panama-headquartered wealth advisory and family office services firm with deep ties to regional HNW families — competes for the same local and cross-border LatAm client base as Zentral.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/zentral-family-office

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Zentral Family Office