I already have a portfolio
I want to review costs, risks, concentration levels, and alignment with my goals.
Let’s discuss your portfolioPlanning and comprehensive overview
Individuals, families and wealth
TM & PARTNERS SCF supports families and individuals with complex assets by taking an integrated view of needs, investments, liquidity, pension planning, protection, and real estate holdings, while maintaining an institutional and independent approach.
1
UnderstandingNeeds, priorities, family characteristics, and time horizon.
2
AnalysisAsset position and existing relationships viewed as a whole.
3
PlanningObjectives, priorities, scenarios, and the sustainability of decisions.
4
CoordinationIntermediaries and specialists involved when necessary.
5
MonitoringPlan review and ongoing updates.
Holistic view of assets
Understanding one's assets means looking at various dimensions together.
An individual's or family's situation rarely equates solely to their financial portfolio. Liquidity, real estate, pension planning, protection, family needs, and generational transfer can all influence the same decisions, thus requiring an integrated approach.
Planning makes it possible to distinguish between short-term priorities, medium- to long-term goals, and actually available resources, preventing choices from being driven by a single product or an intermediary’s specific proposal.
Adherence to CFP® professional standards implies a structured process: understanding goals, gathering and analyzing data, substantiating recommendations, and reviewing them over time. Within the team, Fabrizio Tito holds the CFP® certification.
When multiple banks, insurance companies, or other professionals are involved, an aggregate analysis helps maintain a unified overview and ensures that the various relationships remain consistent with one another.
ASSETScomprehensive view
Investments
Liquidity
Real estate
Retirement planning
Protection
Generational transfer
Planning
Planning as part of the methodology, not as a sales tool.
Planning means organizing data, goals, and constraints to assess the viability of decisions. It does not mean anticipating a solution or proposing financial instruments before the overall picture is understood.
Effective planning must be explainable and verifiable: identifying which needs are being addressed, which resources are allocated to each goal, the level of liquidity required, the risks that must be managed, and the aspects requiring input from other specialists.
The plan is then monitored over time. Changes in family, professional, or financial circumstances, or in market conditions, may necessitate a review of priorities and decisions already made.
alignment between goals and resources risk and liquidity considered together retirement planning and protection within the overall wealth context review when needs and conditions change
Independent judgment.Planning guides decisions; it does not replace judgment.
Over time
Wealth supports various life choices.
A family may hold investments with multiple banks, own real estate that cannot be immediately liquidated, and face future financial commitments related to children, a business, or retirement. Considering each item in isolation risks obscuring the relationship between actual available funds, asset concentrations, and protection needs. A comprehensive view assigns a specific role to each resource.
The plan translates this assessment into priorities: which reserves to maintain, which risks to monitor, and the timeframe available for each goal. When legal or tax advisors or other specialists are involved, the financial component is interpreted in light of their expertise and coordinated with the family’s overall strategy.
Services for families and wealth management
From a specific analysis to a long-term strategy.
You can start with an analysis of your portfolio, risk profile, retirement planning, insurance coverage, or specific financial instruments; or request a consultation on a particular financial topic; ...or opt for ongoing, personalized advisory services to plan and monitor investments in alignment with the family's goals.
Let’s start with your needs
What is your situation?
Choose the topic that applies to you. We’ll help you frame your request and gather the information needed for an initial discussion.
I want to get started
I want to understand how to plan my first steps based on my goals and timeline.
Set up your pathThinking about the future
I want clarity on retirement, liquidity, and family wealth planning.
Explore planning options