Ray DiNunzio
Partner at TOS Advisors with a background in corporate banking, institutional asset management, and family office advisory, focused on building embedded family office operations for sponsors.
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Jan 29, 2026 • 1h 19min
Embedded Family Offices: Structure, Risk, and Tradeoffs
Allen Injijian, tax attorney and multifamily office partner; Ray DiNunzio, builder of embedded family office operations from a banking and asset management background; Timothy Ladin, long-time single-family office general counsel. They explore why embedded family offices are rising. They tackle structure tradeoffs, talent and tech pitfalls, governance and fiduciary tensions, privacy vs shared resources, and risks of poor design.
