About Us
FS3M was born from the convergence of international expertise, strategic vision, and deep knowledge of the financial and real estate markets.
Who we are
FS3M is comprised of seasoned specialists with a solid track record in both the financial and real estate markets. Our foundation lies in the union of professionals with extensive international experience, who chose to transform knowledge into strategy and expertise into tangible results. We serve as a trusted bridge between global investors and high-performance real estate opportunities, delivering strong returns and consistent outcomes throughout every investment journey.
More than just a company, FS3M is an experience — a smart and structured path for those seeking solid results, with security and confidence at every stage of the process.
Who we do it for
Our services are designed for discerning investors who understand the importance of combining profitability with planning, transparency, and wealth protection. We serve:
High-Net-Worth Individuals (HNWIs) seeking international diversification through solid real estate assets, with predictable cash flow and appreciation potential;
Family groups looking to preserve and grow their wealth through structured investments, with a special focus on succession and intergenerational governance;
Institutions and investment vehicles, such as family offices, endowment funds, and holding companies, which require robust legal structures and compliance, as well as strategic alignment with their long-term objectives.
We operate under a partnership mindset. Every FS3M client is treated as a strategic co-investor, with direct access to our team, detailed reporting, consultative support, and complete visibility into the progress of their investments. We believe long-term relationships are built on aligned interests, continuous value delivery, and excellence in execution.
Our team
LUIS FERNANDO SAAD
(NANDO)
With a solid career in insurance and financial services, Nando Saad is an internationally recognized figure known for his strategic vision, professional ethics, and consistent results over the decades.
– Born in São Paulo, Brazil (1967), relocated to the United States in 2015
– Licensed since 2009 to operate in the U.S. insurance and financial services industry
– 21-time “Top of the Table” MDRT award recipient — one of the highest distinctions in the global financial sector
– Began operating in the U.S. in 1997, focusing on high-net-worth Brazilian clients and offshore structures
– Specialist in international tax planning and asset protection
– Married since 1993, father of three children, combining professional success with strong family values
MICHAEL M. MATLUCK
A natural-born entrepreneur, Michael Matluck brings over 40 years of experience in real estate and finance, with a strong presence in Florida and other key economic hubs across the United States.
– Born in Portland, Maine, in 1951
– Graduated in Accounting from the University of Miami (1975)
– Licensed real estate broker in Florida since 1978
– Founder of Financial Services & Insurance Brokerage, with operations in over 20 countries and a network of 2,000+ agents and advisors
– In 2018, sold his brokerage firm, ICS Realty Inc., to the publicly traded COMPASS (NYSE: COMP)
– Married for over 43 years, father of three, and grandfather of four — a respected business and family legacy
Commercial Partner
Agador Spartacus Development (A.S. Development) is FS3M’s principal partner for real estate development in the U.S. market, particularly in the state of Florida. Renowned for its role in the Build-to-Rent (BTR) segment, the company designs, develops, and delivers high-quality multifamily communities focused on operational efficiency, innovative construction, and affordability.
Headquartered in Aventura, Florida, A.S. Development is led by a multidisciplinary team with deep expertise across all phases of real estate development — from strategic land acquisition to final asset delivery. Their process includes feasibility studies, permitting, construction management, and post-delivery operations.
Their projects stand out for being consistently delivered on time and within budget, with a strong emphasis on urban design, sustainability, and the seamless integration of communities into their surroundings. This excellence has positioned the company as a leading force in Florida’s BTR sector, developing modern housing solutions tailored to the needs of today’s market.