Working Method

Excellence is only achievable if there is a work method. Asset management requires applying knowledge and experience in the field to the unique situation of each investor. Therefore, it is essential to know in depth its needs, finances, taxation, and the most difficult yet most important one, to clearly understand the risk willing to undertake to achieve the desired results.

Investment Strategy

Defining Objectives

Which is the ultimate goal? What is your risk tolerance?

Time Horizon

When does it need to be accomplished? The length of the investment could constitute a challenge, certainly bigger the shorter the period.

Financial Status

We must identify our starting point:

Size, composition, and distribution of the initial investment
Saving capacity and its forecast
Potential financing needs in the future

The financial situation is as relevant as the length of the investment. It could mean a restriction on the strategy of the investment.

Risk Tolerance

This is the most challenging point to define due to its subjective component. However, essential to optimize the strategy and adopt the best investments decisions

Risk Profile

Once defined through the previous points, we must establish a benchmark. This will allow us to:

Forecast expected benefits.
Identify potential risks that we must understand and accept. In the case of lacking this step, we should review points 2 and 4 to define a new profile and select a new benchmark.*.
Periodically assess the portfolio returns.

*Reference index.

Taxation

Critical to optimizing portfolio management. At this point, we must foresee various situations to make the best decision.

Preference and Restrictions

When identifying the preferences and limitations, we must integrate them into managing the investment. For instance, direct investment Vs. investment vehicles schemes, preferences for regular income payments Vs. accumulative investments. The type of management, a particular style, or even the restriction of any of the above mentioned.

Building a Portfolio

Always under the basis of efficiency: Risk-Benefit

Recurring assessment

This implies periodically assessing the portfolio and its performance, adjusting it to changes in terms and financial situation. In addition, the evolution of the markets and the legislative and personal changes affecting the investment make to adapt the strategy continuously.

Life Enjoyment

Would you like more information?

In that case, we invite you to join us for a call or videoconference where we can talk further about your financial resources and how we can optimize your portfolio.

CUSTOMERS TESTIMONIALS

“Francisco has been a great finding: he is passionate about his job and a true expert in finance. Shortly after talking to him, you can tell that he is very knowledgeable and better off that he enjoys what he does. Those combined translate into trust.”

Francisco Bargiela

“I value the most transparency when communicating complex financial matters as Francisco does. He understands and respects my concerns. Thank you, Francisco; you have earned my trust.”

Lara Perez

“Thanks to Francisco, I now have more knowledge of how investments work. Unlike my previous experiences, Francisco has taken the time to show genuine concern for my needs and goals. He has made it the norm to explain thoroughly so I can make the most educated decisions. Thank you. “

Helena Herraiz Sanchez

“Francisco is always available to help when I’m doing research as part of my job as a journalist. He is knowledgeable in his field and a great communicator.”

Sara Rivas Moreno

“Francisco is one of the financial advisors I often turn to when developing financial documents for media purposes and Finect’s website. He is always available and willing to help, bringing light to the topics I write about by sharing his deep knowledge and experience in the financial field.”

Santiago Barón Adelantado

“I have been working with Paco for many years. He is an excellent professional, very knowledgeable in finance management and personal banking. He currently manages my investments and does it efficiently. He has earned my trust throughout the years, the reason why I recommend him.”

Pepe Monserrat Martínez

“Francisco transmits serenity, which is very important in the field he works in, and this is achieved thanks to the time he puts into explaining and going over any doubts that might arise. From going over the course of action to designing a contingency plan, everything is covered with him, and this, along with the tangible results, generates trust and peace of mind.”

Luis Miguel Ronco Sánchez

“I would like to spotlight the communications skills Francisco possesses. Making financial information digestible to people such as myself, who don’t have a financial background, is refreshing and something to be grateful for. He is very helpful and professional.”

Andrea Malorgio

“Francisco is quite a professional financial advisor with vast knowledge of the stock market and everything related to the investment world. Hi involvement and proactiveness in offering the best advice are the main reasons he is my financial advisor.”

Wuilmer Peñaloza

“Francisco has been my financial advisor for many years. He perfectly understands my risk tolerance in each situation and would always manage my assets in relation to the market’s circumstances. He is trustworthy and explains thoroughly the strategy and the risk that comes with it. In summary, Francisco is the best banking professional I have met.”

Juan Navas

“Francisco knows how to explain to his clients all the factors involved when investing. Thoroughly going over the difficulties and the risk. His vast experience makes him one of the best banking professionals I know.”

Jaime Alonso Gila

“It is a delight to trust somebody with one’s assets. Not only is Francisco an expert in his field, but also he is approachable and would guide you in accordance with your personal preferences, always considering the market’s circumstances, which he knows perfectly.”

David Sánchez

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