Jean Ceppetelli (CapitalatWork): Guiding families across generations
Jean Ceppetelli, CEO of CapitalatWork, shares how wealth management is adapting to meet the needs of a more informed, intergenerational client base.
How would you define CapitalatWork’s identity today?
CapitalatWork is one of five business lines within the Foyer Group, dedicated to serving affluent clients with bespoke wealth management solutions. What sets us apart is our independence—we are the leading standalone wealth manager in the Benelux region. Our core strength lies in investment. Clients entrust us with their assets, which we manage based on our strong investment convictions, rooted in rigorous fundamental analysis. These convictions shape the funds we offer. This year, CapitalatWork celebrates its 35th anniversary. What began with four founders has grown into a team of over two hundred employees across nine offices in Luxembourg, Belgium and the Netherlands. This geographical proximity helps maintain strong client relationships. Today, we manage twelve billion euros in assets—a figure that continues to grow rapidly. Our success stems from an ability to balance financial performance with personal relationships.
How do you meet the expectations of a new generation of clients?
The world is evolving quickly, and so is our profession. New generations of clients come with high expectations. Unlike their grandparents, who checked in once a year to review portfolio performance, today’s clients are well informed and digitally connected. They ask very specific questions, sometimes about highly volatile assets like bitcoin. Our response is to offer transparency and access not just to their advisor, but also to the analyst who researches specific companies and the expert building the investment funds. Buying shares online is easy, but truly understanding a company’s value requires deeper insight: leadership quality, R&D investments, and cash flow health. These elements—rarely visible in financial press—allow us to deliver a consistent, rigorous and goal-aligned investment approach. What sets us apart is our three-layered dialogue around portfolios, offering depth, clarity and alignment with each client’s goal.
“The world is evolving quickly, and so is our profession.”
What are your priorities for the coming years?
Our ambition goes beyond performance. We aim to build is a lasting relationship with each family—supporting them through key life events like inheritance, business succession and wealth structuring. We do not simply offer products; we deliver tailored solutions. This independent approach reflects a long-term vision rooted in trust. We now host regular events for clients’ children, covering financial education, networking, and project support. Intergenerational transmission lies at the heart of modern wealth management. Looking ahead, CapitalatWork is well-positioned to play a leading role in consolidating the sector. With nine offices and a strong presence in three countries, we see significant growth potential. As the banking landscape evolves, our ambition is to become a strategic player—without ever losing our human, independent foundations.