My Approach

Personal and ongoing assistance

My working method
and the added value I can provide

I assist clients in identifying their life plans and needs, helping them define priorities and timelines to meet each project or need, and sharing with them the paths or solutions identified to achieve their goals.

The client must be actively involved and must be aware of the choices made for their projects. The relationship with my client is based on five steps.

ANALYSIS

1

Wealth check-up and initial assessment

Our first meeting is a no-obligation opportunity for you to receive a complimentary, informed opinion on your personal financial situation. Through open discussions, we’ll gain an understanding of your world, allowing you to assess the benefits and make a well-considered decision about your next steps.

I analyze your needs through conversations designed to understand your world and the investor you are.

Over time, we build a deep mutual understanding based on confidentiality and trust. This is the foundation for providing accurate and effective advice.

In our first meetings, we identify your needs, desires, and goals related to your life cycle and your wealth.

The comprehensive analysis report includes:

  • Identification of personal and family needs and requirements;
  • Assessment of your total wealth, liquid assets, real estate and business holdings;
  • Risk and return analysis;
  • Suitability assessment against your risk profile;
  • Verification of product consistency with declared objectives;
  • Performance review and competitive benchmarking of specific financial products;
  • Determination of key indicators such as volatility, concentration, and credit ratings;
  • Disclosure of all associated costs, both explicit and implicit;
    2.

1

ANALYSIS

Wealth check-up and initial assessment

Our first meeting is a no-obligation opportunity for you to receive a complimentary, informed opinion on your personal financial situation. Through open discussions, we’ll gain an understanding of your world, allowing you to assess the benefits and make a well-considered decision about your next steps.

I analyze your needs through conversations designed to understand your world and the investor you are.

Over time, we build a deep mutual understanding based on confidentiality and trust. This is the foundation for providing accurate and effective advice.

In our first meetings, we identify your needs, desires, and goals related to your life cycle and your wealth.

The comprehensive analysis report includes:

  • Identification of personal and family needs and requirements;
  • Assessment of your total wealth, liquid assets, real estate and business holdings;
  • Risk and return analysis;
  • Suitability assessment against your risk profile;
  • Verification of product consistency with declared objectives;
  • Performance review and competitive benchmarking of specific financial products;
  • Determination of key indicators such as volatility, concentration, and credit ratings;
  • Disclosure of all associated costs, both explicit and implicit;
    2.

PLANNING

2

Resource allocation and strategy definition

Definition of the wealth planning project that encompasses all active and passive components: investments, real estate, corporate holdings, mortgages, loans, personal and family income and expenses.

Planning is a prerequisite to the selection of specific solutions or products.

After identifying your objectives, I proceed to build a comprehensive wealth planning project, which includes all active and passive components of your wealth: investments, real estate, corporate holdings, mortgages, loans, personal and family income and expenses, your “life cycle”.

I then identify the most suitable instruments to construct a stable and efficient portfolio.

Planning involves:

  1. Deciding, together with the client, how to allocate resources and for which objectives, distributing them in different percentages according to defined priorities;
  2. Designing how to accumulate additional resources over time, specifying frequency and amount, so that the required sum for your expectations is achieved by the set date.

Planning is defined based on 6 key points:

  1. Capital Protection from unforeseen events (death, injury).
  2. Necessary Liquidity to meet daily needs or those to be realized within 12 months.
  3. Reserve, to ensure savings are not eroded by inflation, with a maximum investment duration between 12 and 36 months.
  4. Pension Planning and future standard of living, to maintain the future standard of living and ensure security.
  5. Desires and Objectives to be achieved with investments from 36 months onwards.
  6. Protection, Tax Savings, and Wealth Transfer Strategies with personalized projects, custom-designed for the client.

2

PLANNING

Resource allocation and strategy definition

Definition of the wealth planning project that encompasses all active and passive components: investments, real estate, corporate holdings, mortgages, loans, personal and family income and expenses.

Planning is a prerequisite to the selection of specific solutions or products.

After identifying your objectives, I proceed to build a comprehensive wealth planning project, which includes all active and passive components of your wealth: investments, real estate, corporate holdings, mortgages, loans, personal and family income and expenses, your “life cycle”.

I then identify the most suitable instruments to construct a stable and efficient portfolio.

Planning involves:

  1. Deciding, together with the client, how to allocate resources and for which objectives, distributing them in different percentages according to defined priorities;
  2. Designing how to accumulate additional resources over time, specifying frequency and amount, so that the required sum for your expectations is achieved by the set date.

Planning is defined based on 6 key points:

  1. Capital Protection from unforeseen events (death, injury).
  2. Necessary Liquidity to meet daily needs or those to be realized within 12 months.
  3. Reserve, to ensure savings are not eroded by inflation, with a maximum investment duration between 12 and 36 months.
  4. Pension Planning and future standard of living, to maintain the future standard of living and ensure security.
  5. Desires and Objectives to be achieved with investments from 36 months onwards.
  6. Protection, Tax Savings, and Wealth Transfer Strategies with personalized projects, custom-designed for the client.

INVESTMENT

3

Implementing shared strategies: my solutions

Definition of an investment strategy or a wealth protection strategy; investment proposals, characterized by a high degree of diversification and decorrelation, specify expected timelines and returns based on the client’s risk profile.

I create an investment or wealth protection proposal, clearly stating the timing and expected return in coherence with the investor’s risk profile. Each solution is characterized by a high degree of diversification and decorrelation to ensure effective volatility control.

Before being presented, the investment proposal is attested by a ‘suitability’ and ‘appropriateness’ assessment, as established by current regulations, and it highlights:

  • Individual Needs Areas and specific Projects, and the corresponding instruments;
  • A cost/benefit analysis;
  • The risk level of each Area and instrument;
  • Details, classification, and percentage weight of the selected products;
  • Simulation of possible scenarios related to performance trends for each individual Needs Area;
  • The risk contribution of each individual product;
  • The currency composition of the portfolio;
  • The relationship between product concentration and volatility;
  • The tax implications of the adopted solutions.

The wealth protection proposal considers the advantages, in terms of tax savings and planning, of the transmission of assets to heirs in order to favor any individuals to be protected and to avoid disputes among heirs, and includes:

  • Valuation of all assets – financial, real estate, luxury goods, businesses;
  • Verification of cadastral compliance for real estate assets;
  • Calculation of inheritance tax for legal succession;
  • Simulation of estate distribution using the disposable quota;
  • Tax optimization and estimation for each individual heir;
  • Identification of selected strategies and instruments to achieve the closest adherence to the client’s needs.”

3

INVESTMENT

Implementing shared strategies: my solutions

Definition of an investment strategy or a wealth protection strategy; investment proposals, characterized by a high degree of diversification and decorrelation, specify expected timelines and returns based on the client’s risk profile.

I create an investment or wealth protection proposal, clearly stating the timing and expected return in coherence with the investor’s risk profile. Each solution is characterized by a high degree of diversification and decorrelation to ensure effective volatility control.

Before being presented, the investment proposal is attested by a ‘suitability’ and ‘appropriateness’ assessment, as established by current regulations, and it highlights:

  • Individual Needs Areas and specific Projects, and the corresponding instruments;
  • A cost/benefit analysis;
  • The risk level of each Area and instrument;
  • Details, classification, and percentage weight of the selected products;
  • Simulation of possible scenarios related to performance trends for each individual Needs Area;
  • The risk contribution of each individual product;
  • The currency composition of the portfolio;
  • The relationship between product concentration and volatility;
  • The tax implications of the adopted solutions.

The wealth protection proposal considers the advantages, in terms of tax savings and planning, of the transmission of assets to heirs in order to favor any individuals to be protected and to avoid disputes among heirs, and includes:

  • Valuation of all assets – financial, real estate, luxury goods, businesses;
  • Verification of cadastral compliance for real estate assets;
  • Calculation of inheritance tax for legal succession;
  • Simulation of estate distribution using the disposable quota;
  • Tax optimization and estimation for each individual heir;
  • Identification of selected strategies and instruments to achieve the closest adherence to the client’s needs.”

MONITORING

4

Constant Portfolio Monitoring

Your investment is carefully followed, nurtured, and constantly monitored with a flexible approach that adapts over time. This allows us to face new market scenarios and changes while also meeting your evolving personal goals.

My monitoring is continuous and constant.

When necessary, I propose interventions to seize market opportunities. These include rebalancing, which may be needed simply as you get closer to the goals defined in your plan. All of this is supported by computerized checks and a series of automatic alerts that trigger when planned events occur.

I promptly inform clients of any maintenance, revisions, or checks on trends, markets, regulations, or any other relevant matters.

4

MONITORING

Constant Portfolio Monitoring

Your investment is carefully followed, nurtured, and constantly monitored with a flexible approach that adapts over time. This allows us to face new market scenarios and changes while also meeting your evolving personal goals.

My monitoring is continuous and constant.

When necessary, I propose interventions to seize market opportunities. These include rebalancing, which may be needed simply as you get closer to the goals defined in your plan. All of this is supported by computerized checks and a series of automatic alerts that trigger when planned events occur.

I promptly inform clients of any maintenance, revisions, or checks on trends, markets, regulations, or any other relevant matters.

ASSISTANCE

5

Periodic Meetings, In Person or Remote

I maintain direct contact for quarterly or monthly reports—for clients with high-value portfolios—to check on the performance of their investments and identify potential new opportunities through simulations and analysis.

My assistance is provided through direct meetings, both in person or remotely. The frequency of these meetings is based on your needs.

Each meeting concludes with a monitoring report that includes:

  • A comprehensive evaluation of your total assets and areas of need.
  • Performance of individual products and asset classes.
  • A comparison between your portfolio’s actual performance for each project and the initial projections.
  • An evaluation of your portfolio’s volatility over time.
  • A comparison between the so-called “planning model” and your actual plan.
  • A possible review of investment goals and asset reallocation.
  • Information on market scenarios, outlooks, and regulatory updates.

5

ASSISTANCE

Periodic Meetings, In Person or Remote

I maintain direct contact for quarterly or monthly reports—for clients with high-value portfolios—to check on the performance of their investments and identify potential new opportunities through simulations and analysis.

My assistance is provided through direct meetings, both in person or remotely. The frequency of these meetings is based on your needs.

Each meeting concludes with a monitoring report that includes:

  • A comprehensive evaluation of your total assets and areas of need.
  • Performance of individual products and asset classes.
  • A comparison between your portfolio’s actual performance for each project and the initial projections.
  • An evaluation of your portfolio’s volatility over time.
  • A comparison between the so-called “planning model” and your actual plan.
  • A possible review of investment goals and asset reallocation.
  • Information on market scenarios, outlooks, and regulatory updates.

Would you like to get an informed opinion on your current portfolio?

Book an in-person or remote appointment.