3hg.com.br

What It Is

3HG Wealth Services is an independent Multi-Family Office based in São Paulo, Brazil. It positions itself as a strategic wealth management advisory firm for individuals, families, and businesses. It is not a payment gateway, acquirer, or wallet provider, but rather a wealth planning advisor serving high-net-worth clients. The website emphasizes being “100% independent,” having “no rebates,” and “not selling products.” Its revenue comes only from clients, which is intended to avoid the conflicts of interest commonly found in traditional financial product distribution.

Core Services

Based on the site content, 3HG offers a broad range of services under a OneStopShop model, covering investments in Brazil and overseas, pensions, insurance, credit, succession, real estate, and tax planning. Specific services include financial diagnostics, education and financial psychology, insurance and risk coverage audits, succession planning, tax optimization, offshore asset allocation, corporate risk analysis, credit management, and long-term scenario simulations. Its process includes understanding the client, mapping assets, creating a Wealth Plan, coordinating accountants and lawyers for execution, and providing ongoing monitoring through monthly reports and regular meetings.

Pricing and Fees

The website does not disclose specific fee percentages, fixed annual fees, or minimum charges. However, it clearly states that it does not receive commissions, rebates, or third-party product distribution fees, and does not sell financial products. Its business model is based on clients directly paying a single, transparent advisory fee. For clients who value advisor independence, this is a positive signal; however, the lack of comparable fee information means an initial consultation is still needed for confirmation.

Pros and Cons

The main strengths are its clear emphasis on independence, broad coverage of key issues such as wealth preservation, succession, tax, risk, and international diversification, as well as its focus on long-term support and personalized service. The drawbacks are that the main content does not disclose regulatory licenses, registration numbers, custody arrangements, actual assets under management, or the number of families served. Some figures displayed on the page also show as 0, which weakens overall information completeness. In addition, it does not provide payment processing, settlement, APIs, or merchant acquiring capabilities, so it is not suitable for businesses looking for payment infrastructure.

Who It’s For

3HG is better suited to Brazilian families, business owners, and heirs who have accumulated substantial wealth and want support from an independent advisor. The website mentions that its target clients include families and companies with assets above R$5MM, and also refers to individuals with more than R$3MM in liquid investment assets.

Access from China

No information is provided regarding availability from mainland China, so this is unknown.