CaixaBank Wealth Management Luxembourg S.A.

CaixaBank Wealth Management Luxembourg S.A. is a Luxembourg-based subsidiary of CaixaBank Group focused on cross-border private wealth services. The firm operates under Luxembourg and EU regulation and is supervised by the Commission de Surveillance du Secteur Financier (CSSF). Its core offering centres on discretionary portfolio management and investment advisory, complemented by order reception and execution across listed securities, investment funds, fixed income, and structured products, with access to group and third-party issuers subject to suitability and product governance rules. Target clients are high-net-worth individuals, families, and entrepreneurs requiring multicurrency portfolios and cross-border servicing; onboarding follows standard Luxembourg anti-money laundering and know-your-customer requirements, including verification of source of funds and wealth. Client assets are held with regulated custodians; cash and securities protection follows Luxembourg and EU frameworks, with investment services claims typically covered by the national investor compensation scheme and deposit guarantee protection applying only to eligible cash placed with credit institutions, not to investment values. Fees usually comprise mandate-based management or advisory charges plus underlying product costs; inducements and retrocessions, where applicable, are handled under MiFID II rules with ex-ante and ex-post disclosures. The firm applies policies for best execution, conflicts of interest, and suitability/appropriateness, and captures client sustainability preferences in line with MiFID II; product documentation reflects SFDR classifications where relevant. Service availability depends on client domicile and regulatory restrictions, and the firm does not provide tax advice; clients remain responsible for their own tax compliance. Investment activity involves market, credit, liquidity, and currency risks, and complex instruments add structuring and counterparty risk.