PRIME MFO · Monaco
Everything you own.
And what happens next.
Your accounts, your companies and your property, across every bank, on one document, current every morning.
What we are not
The family’s interests.
Exclusively.
Not a manager, not a bank, not a product distributor. We sell nothing. We watch.
One address, in Monaco
On your side
of the table.
Our fees come from you and from no one else. No commissions, and nothing paid to us by your banks.
Request a private presentation01 · The house
An independent multi-family office, in Monaco.
We do not manage your money and we sell no products. We give you one complete, verified view of what you own, and we watch it from your side of the table.
Every bank. One number.
Every company. One map.
Every morning, last night’s figures.
We listen first.
One meeting, one conversation, and we know what you need. The tools and the service are then cut to your measure. Never the other way round.
Experts, not screens.
Our systems calculate; our financial and legal people read. Every page that reaches you has been reviewed by someone who knows your file.
Monaco, from the inside.
The banks, the notaries, the social funds, the counters, and who answers for what. The group’s teams have worked in the Principality for twenty years. That network works for you.
PRIME MFO is part of Prime Group, twenty years in Monaco.
Monte-Carlo · seen from the Tête de Chien
02 · The report
Your entire wealth,
on one page.
We present it in full at a private meeting.
Every bank, one total.
- One figure, however many custodians hold your accounts.
- When a number does not add up, you hear it from us, not from your banker.
A withdrawal is not a loss.
- Measured as if you had neither paid in nor taken out.
- By bank and by asset class.
What you actually own.
- By asset class, custodian, currency, sector and country.
- Including what sits inside your structured products.
- One click on a number shows what is inside it, down to the holding.
Your structured products, watched.
- Barriers, maturities and coupons followed one by one.
- The fees actually taken, bank by bank, over the year.
Every morning
Every morning your report is rebuilt with last night’s figures. Every number opens: where it comes from, how it is calculated, what it contains.
03 · Cash and commitments
Know how the year ends,
before it ends.
What comes in, what goes out, and what is already committed through 31 December. On the same document as your investments.
Your life, on the same page as your portfolio
The income from your portfolio set against what you actually spend. Not two documents that never meet.
What is already committed
Contractual payments due before the year closes, visible before they land.
Where the money goes, and why
A direct debit taken twice, a subscription forgotten three years ago, a supplier who quietly raised their prices: what should not be there shows up.
What can be sold, and when
What can be turned into cash in a day, in a week, in a month, and what cannot, set against what you have to pay before the year ends.
04 · Ownership and succession
Who owns what.
And what happens next.
Companies, holdings, usufruct, shareholder loans: the full map of your structure, kept current and readable on screen.
Drag across to see what comes next
We do not advise on succession. We make sure the conversation with your notaire, who alone can settle an estate here, starts in the right place.
The rules applied are the ones you and your advisers have recorded. The map is neither a calculation of entitlements nor a legal opinion.
Split ownership, made legible
In Monaco and France, use and ownership are often separated: your children own the asset, you keep the use and the income of it for life. Every link is drawn, every company carries its value.
Before a succession opens
A succession redistributes the rights over every company and every property. We make it visible before it opens, so that the family and its notaire decide with full knowledge.
The points to settle stay flagged
What the marriage contract already allocates. The share that goes to the children by law. Specific bequests, joint ownership, and the company’s own rules on who may become a shareholder. They stay marked on the map until they are resolved.
05 · Organisation and obligations
What has to be done.
By whom. By when.
A family is also an organisation. It employs people, signs contracts, insures property and lives with deadlines nobody is keeping. We keep the calendar.
Your household staff
Contracts, rotas, leave, overtime. The monthly figures reach your accountant on a fixed date, complete, without you thinking about it.
What your household actually costs
The full employer cost, per person and per residence. It is usually the largest recurring outflow after property, and almost never added up.
The deadlines that never warn you
Insurance, leases, medical checks, residence card renewals, company meetings. They reach your calendar before they reach your post.
Your advisers, one calendar
Lawyer, notaire, tax adviser, banker, insurer, accountant: who is waiting on whom, by when, and where each matter stands.
Payroll with your accountant, employment law with your lawyer. We hold the system and the deadlines. We take no one’s place.
06 · The portal
Your wealth, simply.
A private, secure space, on desktop, tablet and mobile. You log in and everything is there: the morning report, your documents, your alerts.
One access per family member
Each person has their own credentials and sees what concerns them.
Told when a position moves
A clear email, with the amount concerned and the performance since you bought.
A person answers
Reply to the alert and your message reaches your contact, not an anonymous inbox.
07 · Your data
Confidentiality
you can check.
A named team keeps your file
You meet them below. Access is personal and can be withdrawn.
You can ask who opened your file
And when. At any time. Here, confidentiality is not a promise, it is something we report.
Your documents stay yours
They live in your own space, not inside our software. If you leave us tomorrow, you move nothing.
We hold nothing and we pay nothing
No assets with us, no payments executed by us. Your banks stay your banks, and there is nothing here to divert.
The Rock · one jurisdiction
08 · The team
Your team, in Monaco.
Names, not a department. Each of them holds part of your file, and you always know who stands in when they are away.
Managing director
Pierre Rivière
More than twenty-five years in private banking in Monaco. At a Big Four firm, he led the audit of the Principality’s private banks. At a Monaco bank, he was then in turn deputy chief financial officer, head of internal audit and head of business management.
At PRIME MFO, he is the contact for families and their advisers, and answers for every file.
Legal officer
Caroline Murat
A tax lawyer by training, with a master’s degree in personal and estate taxation. She began in Monaco at an international law firm, serving private clients. She then practised international tax in the United Kingdom, before corporate secretarial and compliance work in Monaco. She works in French and English.
At PRIME MFO, she looks after families’ companies and obligations, and prepares the papers for their lawyers, notaires and banks.
Head of finance
Harry Brisset
Trained in accounting, with a background in private banking. At a Monaco private bank, he kept the accounts for financial products and the regulatory reporting, under IFRS and Monegasque standards. Before that, at a Monaco property manager, he kept the accounts of whole buildings and the payroll of their staff with the social funds. He works in French and English.
At PRIME MFO, he vouches for the accuracy of the figures: bank reconciliations, budget, household staff payroll.
09 · Who it is for
Our work earns its value on complexity.
Not on size. A family with thirty million across four companies, two homes and five members of staff needs us more than a family with two hundred million in a single mandate.
You will recognise yourself if
Several banks, in more than one country. Civil companies or holdings. One or more homes. Household staff. Members of the family living under different laws. A succession that will come, and that is not prepared.
What you get
A commented report every month and a view that is current every morning. The full map of what you own. Your year of cash, commitments included. Your calendar of obligations, kept. A named contact, and a named deputy.
What it costs
A monthly fee agreed with you, and a one-off set-up fee. No commissions, and nothing paid to us by any bank or manager. The detail is discussed in person.
And your advisers
Lawyers, notaires, private bankers, tax counsel: they need an up-to-date file to do their work well. We take no one’s place. We prepare the ground.
10 · The method
Four steps.
Then continuity.
The mandate
A confidential conversation in Monaco. We agree the scope: which banks, which companies, which property, which family members, and the language your report will be written in.
The feeds
We set up the transmission of your positions and movements with each custodian. You have nothing to key in again.
The verification
Every figure is checked and every gap explained. An explained gap is worth more than a number that was made to fit.
The report and the portal
Your commented report, your map, your calendar, and an alert when something moves. Available at any time, from anywhere.
11 · Questions
What families ask us first.
Do you manage my money?
No. Your assets stay with your banks, under the management you have chosen. We hold nothing and distribute no products. We consolidate, we verify, we watch.
Do I need to change banks?
No. We work with the institutions that already hold your accounts, however many there are.
What happens if you disappear?
Your documents are yours and your assets are with your banks. The contract sets out the return of everything we hold.
Who sees my data?
You, the people you appoint, and the team that keeps your file. Every access is logged, and the record is yours on request.
Do you cover property, art and companies as well?
Yes. The report follows the financial portfolios. The map follows companies, property, vehicles, valuables and shareholder loans. And we keep them current, which is the real work.
How are you paid?
By fees agreed with the family, and by nothing else. No commissions, no payments from banks or managers.
Private presentation
See your wealth as a whole.
One hour, in Monaco or by video call. We walk you through the report and the ownership map on an example, then we talk about your situation. In complete confidence.
The site ends here. The application begins with the same view.
PRIME MFO · 26 avenue de la Costa · Monaco