How Fortis Arbor runs five entities like one business.

Fortis Arbor is a Dubai-based wealth manager serving high-net-worth families across the GCC. By 2025 the founders had built the practice into a five-person team running custody and discretionary portfolios for two dozen clients. They needed a structure designed for growth and a capital raise. They also needed the operational layer underneath it to actually work.

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Structuring for growth and capital

Cosmos modelled three holdco options (DIFC, ADGM and Cayman) and the founders chose ADGM for the combination of common law, FSRA familiarity and proximity to clients. We inserted the new ADGM holding company above the existing Dubai operating company through a share-for-share exchange and added two SPVs for the family-office services line. Five entities, structured to take an institutional investor at the top.

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Intercompany agreements and transfer pricing

With the structure live, the real work began. Cosmos drafted intercompany services agreements between the operating company and the SPVs, set up transfer pricing documentation aligned with OECD guidance and the UAE's transfer pricing regulations, and built the cost-allocation models that survive an FTA query. Every cross-entity charge is now defensible, documented and consistent with the way the group actually operates.

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Group accounting and tax filing

Cosmos took over the accounting for all five entities under one engagement. Monthly close runs across the group in five working days. Federal corporate tax returns for each entity, BO and ESR filings across the structure, and the consolidated management accounts the principal sees on demand all run on the Cosmos platform. The single Cosmos tax team coordinates with the FTA on every return.

The structure took eight weeks. The ongoing operation saves 40 hours per quarter against the previous accountant, and the consolidated accounts and intercompany documentation are ready whenever investors ask.