Jose Lopez (Kuts & Co): Advancing wealth through governance and excellence
In a world where wealth moves effortlessly across borders, but risks evolve faster than ever, KUTS & CO has emerged as a trusted Luxembourg partner for internationally minded families, founders, and investors. Partner José Lopez discusses the firm’s DNA and how it supports clients as they navigate today’s complex environment.
Can you introduce your company in a few words?
At its core, KUTS & CO is dedicated to helping both private clients and corporates to protect, structure and grow their wealth in an increasingly regulated and interconnected environment. We do this through two complementary service lines— KUTS & CO and KUTS & CO SERVICES. On the one hand, KUTS & CO is our multi-Family Office where we support families and founders with asset protection, succession planning, strategic advisory, and—importantly—hands-on project management and execution. Our clients value our combination of governance, expertise, and rigorous compliance, which has become indispensable in today’s environment. They benefit from a partner that goes beyond individual interests or family dynamics and provides a holistic, long-term view of their wealth and legacy. On the other hand, KUTS & CO SERVICES provides Fiduciary & Corporate Services. We deliver Luxembourg-centric incorporations, governance, accounting, tax compliance and regulatory support. By integrating a substantial part of the value chain under one roof, we allow clients to operate through a single, accountable, and trusted partner. Our work spans securitisation vehicles, corporate restructurings, cross-border relocations, and the day-to-day support of operating and holding structures. Every client benefits from a single responsible contact, ensuring responsiveness and clarity. The firm is partner-led by José Lopez, Alex Shinkarenko, and Dmitry Stepanov, who remain actively involved in all mandates.
“We act as active promoters of Luxembourg.”
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How are your clients’ needs evolving?
Clients increasingly face a heavier regulatory burden — and with it, heightened exposure to operational, financial, and reputational risk. Many have outgrown their internal infrastructure and seek experienced, senior advisers who can provide end-to-end support: from strategic advice to practical, compliant execution.Family offices, in particular, encounter several new complexities: 1. Emerging asset classes such as crypto, tokens and AI. 2. The need to align multiple generations. 3. The challenge of managing governance through diverse communication channels. Recently, for example, we coordinated a capital call initiated via WhatsApp — an illustration of how modern execution and new investor generation work in practice. At the same time, global regulatory shifts are prompting families to look for safe and reliable domiciles. Jurisdictions like Italy and Cyprus are competing aggressively, but we firmly believe Luxembourg remains one of the most secure and sophisticated options. We are strong advocates for Luxembourg as a jurisdiction that offers stability, transparency, and world-class expertise. Client expectations have also risen regarding compliance (AML/KYC), speed, cross-border coordination, documentation standards, and reporting. They no longer want advice alone — they want execution that stands up to scrutiny. We respond by delivering robust governance and compliance documentation, clear audit trails, digital tools that add value – such as AI-assisted compliance processes or secure data rooms – and one accountable partner driving each engagement.
What risks and opportunities do you see ahead?
Luxembourg’s ecosystem offers significant opportunities for internationally mobile families and entrepreneurs. The country provides three major assets: 1. A broad range of efficient wealth and investment structures: SPF, funds, securitisation vehicles. 2. An extensive treaty network for tax and investment protection. 3. a highly professional, multilingual workforce. These characteristics make Luxembourg particularly attractive for individuals who are active wealth creators, not merely passive investors. A common misconception is that Luxembourg is a tax haven. In reality, private individuals often face relatively high taxation, which can be a deterrent. However, when balanced against the country’s stability, security, governance standards, and global connectivity, Luxembourg remains a compelling jurisdiction for families, wealth owners, and international businesses. At KUTS & CO, we see it as part of our mission to promote Luxembourg and help clients understand how to use its tools effectively and responsibly.