Fiduciary advisory · Timișoara
Practice of Boston structures protection-first portfolios for private clients in Romania — with full transparency and no commission bias.
Explore Our Strategies
Most financial intermediaries in Romania are compensated by the products they sell. At Practice of Boston, we operate on a strict fiduciary mandate: our advice is governed solely by your financial interests. Based in Timișoara, we work with private individuals, entrepreneurs, and small family offices who have accumulated meaningful wealth and need a disciplined framework to protect it. Our stone-mint approach — measured, calm, and rooted in evidence — means we prioritise capital preservation before we ever discuss growth. We do not manage emotions; we manage risk structures.
Every client engagement begins with a downside analysis. We map your existing exposure, identify concentration risks, and build a layered protection structure before any allocation decision is made. Capital preservation is the constraint, not the aspiration.
We design and source unit-linked and discretionary insurance wrappers that offer tax-efficient, legally-protected containers for diversified assets. Structures are reviewed annually and adjusted to changes in Romanian and EU regulation.
Using a factor-based allocation model, we build diversified portfolios across equities, fixed income, real assets, and alternatives — stress-tested against historical drawdown scenarios including the 2008 and 2020 crises.
We do not receive retrocessions, trailer fees, or sales commissions from any product provider. Our fee structure is fully disclosed in writing at the outset of every mandate. You know exactly what you pay and why.
“I had worked with two banks before Practice of Boston. The difference was immediate: the first conversation was entirely about what could go wrong, not about what product to buy. That approach gave me confidence that my capital was genuinely being protected — not just invested. Eighteen months later, during a volatile quarter in 2023, my portfolio drew down less than half of what my previous bank mandate did.”
— Andrei M., entrepreneur, Cluj-Napoca
Schedule a confidential introductory call with one of our advisors in Timișoara.
Request a ConsultationInternational platforms offer scale; we offer accountability. When your advisor is based in the same city, speaks the same regulatory language, and can meet in person before any decision is executed, the relationship carries a different weight. Practice of Boston has operated from Timișoara since 2011, building long-term mandates with clients who value discretion, continuity, and the kind of unhurried attention that is difficult to find at large financial institutions. Our stone-mint ethos — clear-headed, grounded, never reactive — is visible in both our office environment and the measured tone of every client report we produce.