The TM & PARTNERS SCF process

The TM Progress Method

TM Progress is the method TM & PARTNERS SCF uses to structure advisory services over time: from understanding the situation to planning, and from evaluating alternatives to coordinating stakeholders and monitoring decisions.

From method to services

The service begins with your specific needs.

The TM Progress method brings structure to the work. The service defines the scope of the engagement: whether it involves ongoing support, a discussion on a specific topic, or a targeted analysis.

A long-term journey

Personalized ongoing advisory

For those wishing to link investment decisions to a plan and track its progress with an advisor.

What is included: Client profiling, asset analysis, planning, personalized recommendations, and monitoring, in accordance with the agreed mandate.
What you receive: Well-founded recommendations and periodic reviews covering the portfolio, risks, costs, and alignment with your objectives.

Recommendations are based on the suitability assessment required by MiFID II: knowledge and experience, financial situation, capacity to bear losses, objectives, and risk tolerance.

A targeted engagement

On-demand advisory

For those wishing to explore a financial topic in depth or clarify a specific issue, without committing to an ongoing advisory relationship.

What is included: General financial consulting, providing information, explanations, and interpretive criteria regarding the agreed-upon topic.
What you receive: A clearer picture of the issue, the alternatives, and the factors to consider.

General consulting is limited to providing information. Personalized recommendations on financial instruments fall under an engagement that includes a suitability assessment.

A targeted in-depth analysis

Analysis and assessments

For those wishing to better understand a portion of their assets or evaluate a specific area.

What is included: Analysis of portfolio and risk, pension status, insurance coverage, or individual instruments—covering exposures, costs, characteristics, and limitations—based on the chosen scope.
What you receive: A reasoned interpretation of available data, highlighting key areas of concern and issues requiring further examination.

The analysis provides a snapshot of the area under review and does not automatically include personalized recommendations or ongoing monitoring.

During the initial consultation, we define the requirements, scope, duration, and fee for the engagement.

Discussing your needs

Understanding

Needs, characteristics, objectives, and constraints.

Analysis

Reconstruction of the overall situation.

Planning

Priorities, scenarios, and plan coherence.

Evaluation

Risk, liquidity, costs, and instruments.

Coordination

Intermediaries and professionals involved.

Monitoring

Review and updates over time.

Planning

Consolidating information into a unified decision-making framework.

Planning allows for the alignment of needs, assets, protection, pension arrangements, and objectives. It plays a key role in the process without becoming a sales tool: financial instruments are evaluated only after priorities, constraints, and the sustainability of decisions have been established.

The process therefore begins with understanding the client and the quality of available information. Tolerance for market fluctuations and the financial capacity to absorb losses are distinct assessments: time horizons, liquidity needs, and existing portfolio concentrations define the level of sustainable risk. Only after establishing the full picture is it possible to distinguish between matters requiring immediate decisions and those that need to be planned over a longer timeframe.

In personal planning, we also draw upon the professional CFP® (CERTIFIED FINANCIAL PLANNER™) framework: defining the client relationship, gathering information, analyzing the situation, formulating well-founded recommendations, overseeing their implementation, and reviewing the plan over time. Fabrizio Tito is a certified CFP® professional; TM Progress is the firm’s operational methodology, not the name of the certification itself.

TM Progress is not a rigid sequence: the phases are interconnected and can be updated whenever assets, the context, objectives, or personal and business circumstances change.

PLANNINGIntegrated overview

Needs and objectives

Assets and liquidity

Retirement planning

Insurance protection

Constraints and time horizon

Monitoring

Data

Collection, quality assessment, and aggregation of relevant information.

→

Plan

Definition of priorities, scenarios, timeframes, and overall coherence.

→

Decisions

Recommendations that are well-founded and consistent with the mandate, objectives, and constraints.

→

Review

Updates made when conditions, needs, or underlying data change.

Continuity.

The plan is not static.

TM Progress evolves alongside the client's financial situation. Ongoing monitoring allows for the periodic review of objectives, risks, costs, liquidity, and the consistency of decisions made, preventing a plan that was initially sound from becoming unsuitable over time.

This continuity also makes it possible to document decisions, distinguish the impact of market changes from that of the client's own situation, and maintain an organized dialogue with intermediaries and other professionals involved.

ReportingPortfolio: end of each calendar quarter · Costs and fees: end of each calendar year.

From method to practice

Each phase leads to a more precise question.

In the initial phase, the question concerns which decisions the client needs to make and with what resources. The analysis reconstructs relationships and highlights costs, risks, and overlaps; planning links this data to priorities and time horizons. Only then are alternatives compared, with the rationale behind recommendations clearly explained.

Work continues after the decision is made: changes in business cash flows, family needs, or new constraints for an organization may require a review of the initial assumptions. Documentation and monitoring make it possible to understand why a choice was made and whether it remains appropriate.

The TM & PARTNERS SCF position paper

Ten pillars for understanding investment choices.

Asset allocation, quantitative and qualitative analysis, diversification, costs, and risk control. A guide to understanding how these dimensions relate to client objectives and ongoing reviews.

Discover the guide ? PDF in Italian