Family Office Service · Geneva

A single view
of everything
your family owns.

When a family's wealth grows across banks, jurisdictions and generations, the complete picture may drift out of view. Each institution or family branch sees its own portion and no one is responsible for the whole.

Citadel Finance SA provides family office services through Aevoria to give your family a consolidated view across all your banks and custodians, providing an independent read on fees, risk, liquidity and performance across the whole balance sheet.

Aevoria sits on the family's side of the table. We consolidate, coordinate and challenge, so the picture is complete and the decisions are yours.

See how we work → Speak to us
Operated by Citadel Finance SA
FINMA-licensed · Geneva

Four things
we do without exception.

i.
No products
We receive no retrocessions, trailer fees or commissions from banks or product providers. Our remuneration is agreed directly with the family.
ii.
No custody
Your assets stay where you choose. We do not hold them, move them or have signing authority.
iii.
Retainer-led
A family-office retainer agreed in advance. Optional advisory or discretionary mandates are separately agreed, ring-fenced and fully transparent.
iv.
Family decides
You keep full control. We provide the full picture, the analysis, and we answer the hard questions. The final decision remains yours.
Architectural colonnade
Wealth that endures across generations is held together by the same things that hold great institutions together. Structure. Discipline. The patience to maintain both.
On structure
01What we do

The work, in plain terms.

i.
Consolidated reporting
Every bank, every account, every position, on one statement. Aggregated where possible from custodian feeds, rather than relying on PDFs or client portals. Performance is shown net of fees, against the family's own allocation rather than each bank's preferred benchmark.
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ii.
Fee and cost monitoring
A continuous read on what each institution is charging, set against institutional pricing benchmarks. We prepare fee comparisons across banks, benchmark them against institutional pricing, and challenge the family's banks where the numbers support it. Fee leakage is a quiet expense. We make it visible.
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iii.
Risk and liquidity oversight
Aggregate risk, currency and cashflow seen across the whole balance sheet rather than one bank at a time. Concentration, drawdown, liquidity timing, FX exposure. The kind of view no individual custodian can give you.
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iv.
Governance and review
A review cadence the family can rely on. Investment policy maintained and revisited. Family-level meetings minuted. Decisions documented. Issues raised before they become problems.
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v.
Multi-entity coordination
Where wealth runs across branches, trusts or holding structures, we map it once and report it together, while leaving room for each branch to follow its own strategy. Reporting at the family level, autonomy at the branch level.
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vi.
Advisory or discretionary, if you want it
Where appropriate, Citadel can run an advisory or discretionary mandate on a specific account. These mandates are optional, account-specific, and governed by separate Citadel documentation.
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Six areas of work that run alongside your existing banks and advisers, not in place of them. None of this requires changing custody, restructuring or taking immediate decisions.
02How it fits together

An oversight layer across your existing structure.

Your custody arrangements stay where they are if you so choose. We sit above them, joining the dots and making sure the family has one place to turn for the whole picture.

The technology behind the reporting matters. Data is pulled directly from custodians, not scraped from PDFs or copied from client portals. That means every position, every transaction and every fee is reconciled on the same basis.

Around that data sits the judgement that actually matters. A Family Officer who knows the structure, the priorities and the people, and is reachable directly. An institutional reporting infrastructure that holds up to scrutiny. A network of banks and advisers held to consistent benchmarks.

Whilst we do not provide formal legal or tax advice, where the family already has lawyers, tax advisers or fiduciaries, we coordinate and where they don't, we make introductions.

Reporting tells you what is happening. Judgement tells you what to do about it. The service is built to deliver both.
Family Officer ACCOUNTABLE TO YOU Institutional Reporting Infrastructure CUSTODIAN-DIRECT DATA · READ-ONLY Multi-Custodian Banking Network Custodian Custodian Custodian Trust Holding SPV Specialist Adviser Network LEGAL · TAX · FIDUCIARY · COORDINATED
Matterhorn at sunrise, Zermatt
The name comes from aevum, the Latin root for time, age and continuity. An enduring span of life.
Zermatt · Valais
03Who we are

A Geneva firm,
built by a family.

Citadel Finance SA is a multi-generational, family-founded portfolio management firm. Aevoria was built within Citadel to serve families whose needs have outgrown what any single bank or adviser could provide on its own.

The instinct to put a family on its own side of the table is not a positioning. It is the experience of building wealth across generations, and watching how easily it gets pulled in directions that suit the institution rather than the family.

The families we work with want to know that what they have built is being looked after properly.

Aevoria is the operating expression of that instinct, delivered through Citadel's regulated infrastructure, designed to give families the visibility, discipline and challenge that complexity at scale demands.

Architectural detail
Regulator
FINMA
Licensed by FINMA as a Swiss portfolio manager and supervised by AOOS.
Operating entity
Citadel Finance SA
Sole contracting and regulated party. Aevoria is the family office service brand.
Office
Geneva
Avenue de Champel 75–77, 1206 Geneva, Switzerland.
Approach
Independent of product
No retrocessions, no commissions, no in-house product sales.
04The shift

What changes when
someone is actually looking.

Most families do not have a problem of advice. They have a problem of perspective. Every bank reports faithfully on its own holdings. No one assembles these portions into a complete balance sheet.
As things often stand
Direct family
management
  • i.Each bank reports on what it holds. There is no consolidated balance sheet.
  • ii.No one is benchmarking fees consistently. Quiet leakage goes unchallenged.
  • iii.Investment decisions get made one mandate at a time, in isolation.
  • iv.Risk, currency and liquidity exposure is fragmented across institutions.
  • v.Each bank optimises for its own book. That is what banks do.
  • vi.The family ends up running the family office, often without realising it.
With Aevoria in place
A family office
layer of oversight
  • i.One consolidated view across every bank, custodian and entity.
  • ii.Independent reporting. No institution marks its own homework.
  • iii.Ongoing fee monitoring against institutional pricing.
  • iv.Allocation, concentration and liquidity reviewed at the family level.
  • v.A Family Officer accountable to the family, not to any bank.
  • vi.Risk, FX and private assets watched across the whole picture.
05Get in touch

The first conversation
commits to nothing.

If there is a fit, we conduct a short, structured assessment of how the family's wealth is currently organised. The scope and discussions around fees and next steps come out of that.

The starting point is usually a brief phone call. We listen, you ask whatever you want to ask, and we give you a direct view on whether we think there is a fit.

If there is something to take forward, we follow up with a written assessment. That document is shared before any conversation about scope or fees.

A typical initial assessment looks at

Banks, accounts and entities. Reporting gaps. Liquidity needs. Fee structure. FX exposure. Decision-making process. And areas where oversight could be improved.

Office
Avenue de Champel 75–77
1206 Geneva, Switzerland
Web
www.aevoria.ch
Regulator
Portfolio manager licensed by FINMA, supervised by AOOS (Citadel Finance SA)
Operator
Citadel Finance SA
A short message is enough. We will respond personally.

Your message goes to Citadel Finance SA, the regulated entity behind Aevoria. We do not share details with third parties.

Thank you. We will be in touch shortly to find a time that suits.