Client Scenario
A tech founder with concentrated stock options needs a liquidity and tax strategy that most institutions miss.
Our independent advisory blueprint begins with a holistic financial diagnosis—mapping assets, liabilities, and life goals—before any strategy is proposed. We eliminate commission bias, aligning our success directly with your portfolio growth. The result: a structured path from liquidity needs to long-term wealth preservation.
Pitfalls in DIY Advisory
01. Misaligned Incentives
Commission-based products create hidden costs. Our fee-only model makes our revenue transparent, aligning with your net returns.
02. Emotional Trading
During volatility, humans often sell low. We provide a disciplined framework (Investment Policy Statement) to prevent emotional missteps.
03. The "Sunday Night" Problem
When markets close on Friday, issues don’t. We provide a single point of contact for weekend or pre-market decisions, managing anxiety.
Constraint Management
We actively build portfolios around specific, documented constraints. This is where generic models fail.
Scenario: Moving from Germany to the US. Assets must be restructured for tax efficiency without triggering events.
Trade-off: Liquidity is documented upfront; it may limit access to certain high-yield, lock-up instruments.
The Long-Term Engine: Evidence-Based Growth
Our process is built on three pillars: strategic asset allocation, disciplined rebalancing, and cost-efficient implementation. We utilize a multi-asset framework to smooth returns and manage drawdowns.
Transparency is non-negotiable. Clients receive a quarterly Portfolio Health Report with performance attribution, fee breakdown, and risk metrics. Sustainability is integrated as a core screening layer, not a separate fund.
Portfolio Health Report Includes:
- Performance vs. Custom Benchmark
- Fee Drag Calculation (bps vs. AUM)
- Asset Class Attribution
- Risk Metric Trend (Volatility, Max Drawdown)
Decision Lens: Is Our Model Right For You?
Evaluate fit against these criteria. Our fee-only, independent model optimizes for transparency and alignment but has specific constraints.
Fee Transparency Priority
You want a clear, commission-free model with no hidden costs.
Complex Cross-Border Needs
You are navigating dual tax residency (e.g., DE/US) or have assets in multiple jurisdictions.
High-Minimum Active Management
You seek active strategies; our minimums reflect the bespoke work involved.
Pure Index/Robo-Advisor Preference
If you prefer automated, low-cost indexing without complex planning, we may not be the best fit.
Glossary: Our Terms
Nachhaltige Geldanlage
We prefer SFDR Article 8/9 classification as a starting filter, but client-defined criteria drive final selection.
Fee-Only vs. Commission
We are **fee-only**. We receive compensation directly from you, not from product providers. This aligns incentives.
Advisory Mandate
A discretionary mandate allows us to execute trades without prior client consent per trade, under an agreed IPS.
Liquidity Profile
A documented assessment of cash needs over 1–5 years. Critical for allocating to lock-up vehicles vs. cash equivalents.
Architecting Resilience: The Safety Net
Risk protection is a gap analysis, not a product checklist. We audit existing policies for coverage shortfalls in disability, liability, and long-term care.
Succession is a process, not an event. We map business exit strategies, family governance structures, and charitable intent. For a business owner, this often means structuring a Family Investment Company to facilitate tax-efficient transfer while protecting assets.
Client Scenario: Retirement in 2028
We modeled a 3.5% withdrawal rate against a 30-year horizon, stress-testing against inflation and market drawdowns. The plan included a bond tent for early years.