Horizonte Capital

What Horizonte Capital does

Horizonte Capital is a CVM-registered Multi-Family Office (MFO) headquartered in Belém, Pará, Brazil, serving high-net-worth families, individuals, and companies primarily in Brazil's North and Northeast regions. Founded in 2019, the firm positions itself as the first and only Family Office operating in those regions. Its core service is fee-based patrimonial consulting covering personalized investment management, wealth preservation, tax optimization, succession planning, international diversification (US and Switzerland), and insurance/risk management. The firm operates on an independent advisory model with no commission conflicts — commissions received from partner institutions (XP Investimentos, BTG Pactual, Morgan Stanley, EFG, Avenue, Agora Investimentos) are returned to clients via an estimated 0.2-0.3% per annum cashback module.

The company runs a lean 1-10 employee organization anchored by three founding partners — Ramon Vital (Compliance Director, CFP-certified), Fabrício Lara (Consulting Director, CVM-registered), and Gustavo Loureiro (Expansion Director, Economist) — supported by a Head of Investment Allocation (ex-Santander) and multiple ANBIMA-certified patrimonial consultants. The technology stack is intentionally lightweight: a web-based advisory platform with SSL encryption, consolidated cross-institution performance reports, and portfolio rebalancing tools. The firm maintains three offices: headquarters in Belém, a regional office in São Luís (Maranhão), and an operations support office in Orlando (Florida) that facilitates W9/offshore investment access for Brazilian clients.

The go-to-market is enterprise-field-sales: relationship-driven, personalized advisory engagement with no publicly disclosed pricing — fees are quote-based, set at relationship inception based on assets under management and service complexity, billed annually. Distribution combines direct advisory with channel partnerships providing open-architecture product access across Brazilian and international institutions. Marketing relies on educational blog content, LinkedIn, Instagram, and direct WhatsApp outreach. Specialized legal partnerships extend the service stack into succession/holding structures and offshore companies. Revenue is not publicly disclosed; scale signals are limited to "hundreds of families and companies" and "millions of reais" in allocated client assets.

Name

Horizonte Capital

Legal name

Horizonte Capital

Website

https://hztcapital.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Horizonte Capital is a CVM-registered Multi-Family Office in Belém, Brazil, providing independent fee-based wealth management, succession planning, international investment access, and risk management to high-net-worth families across Brazil's North and Northeast regions.

Ownership category

akta.pro rank

Product category

Wealth Management / Multi Family Office Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

akta.pro secondary industry

Private Banking Cross-Border & International Wealth Services (FSABADAL)

Keywords

• Wealth management advisory
• Multi family office
• Succession planning
• International investment diversification
• Insurance brokerage

Headquarters

HQ city

Belém

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory Fees: Fee-based advisory services where remuneration is predefined with clients based on invested assets and needs. No commissions are received on investment products. Commissions from investments are returned to client accounts as cashback (estimated 0.2-0.3% p.a.).
2. Cashback Program: Commissions from financial institutions (XP Investimentos, BTG Pactual) are returned directly to client accounts, generating monthly bonuses for clients under the impartial advisory model.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Horizonte Capital is a CVM-registered Multi Family Office delivering independent, conflict-free wealth advisory services to high-net-worth families in Brazil's North and Northeast regions. Its core offering, Consultoria Patrimonial, combines personalized investment management, tax optimization, succession planning, international diversification (via US and Swiss banks), risk/insurance brokerage, and consolidated cross-institution reporting under an annual advisory fee model with commissions returned to clients as cashback.

Product overview

Horizonte Capital operates as a Multi Family Office (MFO) providing integrated wealth management services primarily in Brazil's North and Northeast regions. The core offering is Patrimonial Consultoria (Consultoria Patrimonial), a CVM-registered advisory service delivering personalized investment management without commission conflicts. This is supported by specialized service lines: Preservação do Patrimônio for wealth preservation and tax optimization; Investimentos no Exterior for international portfolio diversification via US and Swiss banks; Planejamento Sucessório for succession planning using holding structures and offshore entities; and Gestão de Riscos for insurance coverage. An add-on feature, Cashback de Comissões, returns investment commissions to clients. The company also provides consolidated performance reporting tools for holistic asset visibility. All services operate without conflicts of interest, with cashback of commissions paid directly to client accounts at partner institutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Consultoria Patrimonial (Wealth Advisory) Full-service wealth management and financial advisory offering personalized investment strategies, tax optimization, and retirement planning, delivered as a CVM-registered Multi Family Office with independent advice and no commission conflicts. Targeted at high-net-worth families and individuals in Brazil.
• Preservação do Patrimônio (Wealth Preservation) Wealth preservation service combining customized investments, tax optimization, and retirement planning to maximize returns and pursue financial freedom for clients.
• Investimentos no Exterior (International Investments) International portfolio diversification service providing access to banks in the USA and Switzerland, offshore company structures, and W9 client support, supported by the firm's Orlando office.
• Planejamento Sucessório (Succession Planning) Succession planning service using holding structures, private pension arrangements, and family wealth growth strategies to prevent asset dissipation from litigation and protect family legacy across generations.
• Gestão de Riscos (Risk Management / Insurance Brokerage) Insurance brokerage service covering life, property, vehicle, and civil liability insurance to protect families and assets against operational and personal risks.
• Cashback de Comissões (Commission Cashback Program) Program that returns investment commissions earned by partner institutions (estimated 0.2-0.3% per annum of invested capital) directly to client accounts, enabling an unbiased advisory model without commission conflicts.

Quantifiable outcome

• Cashback of 0.2-0.3% per annum of invested capital returned to clients
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• XP InvestimentoscoreChannel Partner/ Reseller/ DistributorPrimary brokerage partnership providing access to investment products and platforms. Client commissions from XP are returned as cashback.
• BTG PactualcoreChannel Partner/ Reseller/ DistributorInvestment banking partnership for accessing BTG's financial products and services. Client commissions from BTG are returned as cashback.
• Agora InvestimentosminorChannel Partner/ Reseller/ DistributorBrokerage partnership for investment product distribution and access.
• Morgan StanleyminorChannel Partner/ Reseller/ DistributorInternational financial institution partnership for accessing global investment products and diversification.
• EFGminorChannel Partner/ Reseller/ DistributorFinancial institution partnership for international investment access.
• AvenueminorChannel Partner/ Reseller/ DistributorUS-based financial services partnership providing access to US investment markets for Brazilian clients.
• Specialized Legal PartnerscoreImplementation/ SI/ Consulting PartnerLegal partnerships for succession planning, holding structures, offshore companies, and estate planning services. These specialized attorneys work with clients on family governance and wealth transition.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• TAG Investimentos: TAG Investimentos is a Brazilian independent advisory firm serving HNW clients with fee-based investment advice, succession planning, and offshore access. Directly comparable to Horizonte Capital in its independent, fee-only advisory model and multi-family office-style offering.
• Genial Investimentos: Genial Investimentos is a Brazilian independent wealth platform providing investment advisory, succession planning, and offshore access to HNW individuals. Directly competes with Horizonte Capital in serving families seeking independent, conflict-free advice across multiple institutions.
• Constellation (Lacunna & Partners): Constellation is a Brazilian independent wealth advisory firm targeting HNW clients with personalized investment advice, succession planning, and offshore structuring. Directly comparable to Horizonte Capital in its independent, multi-family office competitive positioning.
• Garde Family Office: Garde Family Office is a Brazilian multi-family office providing integrated wealth management, succession planning, and international investments to HNW families. Comparable to Horizonte Capital as an independent MFO serving HNW families across Brazil.

Broad incumbents

• Itaú Private Bank: Itaú Private Bank is the private banking arm of Itaú Unibanco, Brazil's largest bank, serving HNW and ultra-HNW clients with wealth structuring, succession, and international investments. A broad incumbent competitor with extensive resources that Horizons competes against for the same HNW clientele.
• Vinci Partners: Vinci Partners is a Brazilian alternative asset manager and wealth manager serving HNW families and institutions. Comparable to Horizonte Capital in offering independent advisory and succession planning, but with a much broader and more institutional product suite.
• Santander Private Banking: Santander Private Banking is the private banking arm of Santander Brazil, offering wealth management, succession planning, and US/international investment access to HNW clients. A broad incumbent competitor with particular relevance to the international banking relationships that Horizonte Capital leverages.
• XP Inc. XP Inc. is Brazil's largest independent wealth platform with hundreds of thousands of advisors and an Asset Management arm. It is both a primary distribution partner and a broad incumbent competitor addressing HNW and mass affluent clients with investment advisory and succession services.
• BTG Pactual (Wealth Management): BTG Pactual is Brazil's largest independent investment bank with a substantial wealth management and private banking division. It is both a key distribution partner of Horizonte Capital and a broad incumbent competitor offering investment advisory, succession planning, and offshore structuring to HNW clients nationally.
• Bradesco Private Bank: Bradesco Private Bank is the private banking arm of Bradesco, offering wealth management, succession planning, and offshore access to HNW clients. A broad incumbent competitor targeting the same client segment as Horizonte Capital in Brazil's wealthier regions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/horizonte-capital
• Instagraminstagram.com/horizontecapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Horizonte Capital