Independent Capital Governance

Your wealth.
Your rules.
No conflicts.

For families and individuals who have built or inherited significant wealth across borders — and need independent oversight that answers only to them.

Begin a Conversation How We Work
The Seven Questions We Answer
  • 01 What do you actually have — and where is it?
  • 02What do you need, and when?
  • 03 How is it allocated — and is that right?
  • 04What are you actually paying?
  • 05 What are your rules?
  • 06 What could ruin you?
  • 07 Who is watching?
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Our Philosophy

Most wealth does not fail from bad investments.
It fails from the absence of governance.

Advisors who earn commissions cannot be fully independent. Institutions that sell products cannot fully serve the client. The interests are structurally misaligned. CIOffice was built on a single premise: genuine independence is not a feature — it is the foundation.

01
No Products
We sell nothing. We recommend nothing for commission. Our only product is clarity — and our only loyalty is to you.
02
No Conflicts
We accept no referral fees, direct or indirect trailing commissions. Every recommendation has a single motivation: your interest.
03
No Compromise
Independence is binary. You either have it or you don't. We have built our entire model around preserving it absolutely.
Who We Serve

Complex wealth deserves
independent eyes.

Our clients are defined by complexity — assets across borders, structures built over decades, advisors who were never quite fully independent. They are looking for someone who answers only to them.

✦
Cross-Border Families
Canadian families with US exposure, European residency, or Latin American heritage. Multiple jurisdictions, multiple advisors, no single coherent picture.
◈
Post-Exit Entrepreneurs
Business owners following a sale or partial exit who have moved from building wealth to preserving and governing it — often for the first time.
⬡
Inherited Wealth
Beneficiaries of trusts or estates navigating the gap between what they inherited and what they understand — and who to trust with it.
◎
Frustrated Institution Clients
Individuals who have sensed — or discovered — that their bank or advisor's interests were not fully aligned with their own.
Our Services

Two ways to engage

Begin with a complete picture. Continue with independent oversight. Both engagements are defined by absolute independence.

Engagement I

Capital Architecture Audit

A complete due diligence of your financial architecture — seven structured questions, one clear picture. Most clients have never had this done properly. The output is a written report you can actually use.

  • Consolidated balance sheet across all entities and jurisdictions
  • Liquidity map — 12, 24, and 36-month horizon
  • Asset allocation and correlation analysis — liquid and real assets
  • Complete fee audit across all mandates and providers — with 10-year opportunity cost
  • Decision framework and governance rules
  • Risk of ruin analysis — concentration and jurisdiction risk
One-time engagement  ·  4 to 6 weeks  ·  Fee by engagement scope
Engagement II

Ongoing CIO Oversight

An independent Chief Investment Officer on retainer. Not to manage your money — to ensure it is governed properly, that your advisors are accountable, and that every major decision goes through a clear framework.

  • Quarterly governance reviews — monthly if required
  • Monitoring for allocation drift and concentration creep
  • Advisor accountability and annual fee review
  • Decision support on time-sensitive matters
  • Crisis protocol and market stress management
  • Annual update of the Capital Architecture Audit
Monthly retainer  ·  Minimum 3 months  ·  Fee by complexity
The Audit Framework

Seven questions.
One clear picture.

Most people with significant wealth cannot answer all seven clearly. That gap is where unforced errors live.

01
What do you actually have — and where is it?
02
What do you need, and when?
03
How is it allocated — and is that truly right for you?
04
What are you actually paying?
05
What are the rules governing your decisions?
06
What could cause permanent, unrecoverable loss?
07
Who is watching — independently?
Our Commitment

Independence is not a selling point.
It is the only point.

Every financial institution that manages your money also sells products. Every advisor paid by commission has a structural reason to recommend. We are not a bank, not a broker, not a fund manager. We are the independent party in the room whose only job is to ensure your capital is governed with integrity.

Fee-Only
You pay us directly. Nothing else. No hidden fees, no trails, no incentives to recommend anything.
No Referral Fees
We do not receive compensation from any advisor, manager, or institution.
Your Interest Only
We have one source of revenue — your retainer. No products, no commissions, no other agenda. Our only incentive is your satisfaction. That means our interests are perfectly aligned with yours.
Thiery Jannini
The Principal

Institutional depth.
Independent by design.

Thiery Jannini brings over two decades of institutional investment experience to every client engagement. Formerly Senior Portfolio Manager at one of Canada's leading asset managers, with direct responsibility for multi-billion dollar mandates. Today, that institutional rigour is available exclusively to private clients — with undivided loyalty.

Institutional track record — before CIOffice
$2.6B
AUM under management
92%
Active share — genuine conviction
2.2×
Avg. Sharpe ratio — 5-year average
3
Languages — English, French, Spanish
MSc. Finance — HEC Montréal, highest GPA in the programme
CFA Charterholder
Former Vice President & Senior Portfolio Manager, AGF Investments
$250M → $2.6B in AUM — through consistently delivered performance and client trust
Cross-border expertise — Canada, United States, Europe & Latin America
Investment experience across 30+ countries
Independent since 2019 — managing private capital exclusively
Our promise: no products to sell. No commissions to earn. Ever.
Begin the Conversation

The first conversation
is always complimentary.

We work with a small number of clients by design. If you are asking whether your wealth is truly governed in your interest — that question is worth a conversation.

tjannini@thecioffice.com
Phone+1 (416) 888-9942
Webwww.thecioffice.com
LanguagesEnglish · Français · Español