Personal finance & banking relationships
Make sound financial decisions that are independent and aligned with your goals.
I help you clarify your financial decisions and structure a truly independent, consistent, and sustainable banking relationship.
Between banks, financial products, taxation, private cash flows, and long-term commitments, personal financial management can quickly become complex—and often dependent on the advice of institutions.
In a context where information abounds but advice is rarely neutral, it is essential to have an independent, structured perspective that is free of conflicts of interest.
The Personal Finance & Banking Relationships module gives you a clear understanding of your financial situation, helps you make informed decisions, and allows you to build a banking relationship that is aligned with your real needs — not those of the products being sold.
Clarify your financial situation and personal challenges.
I carry out a comprehensive, independent, and objective financial analysis:
- Inventory and analysis of bank accounts, loans, investments, and existing products.
- Analysis of actual performance (net return, risks, explicit and implicit costs).
- Tax review: income, wealth tax, cross-border flows, tax returns.
- Analysis of personal cash flows: expenses, recurring costs, savings capacity, liquidity.
- Review of commitments: mortgages, private loans, investment plans, insurance.
- Diagnosis of banking relationships: dependency, unsuitable arrangements, areas of opacity or hidden costs.
Objective:
To obtain a clear picture of your financial situation, free from sales pitches.
Structure independent financial decisions tailored to your situation.
I work with you to develop a clear decision-making strategy:
- Defining your personal financial objectives: security, return, liquidity, work-life balance.
- Balancing debts, investments, liquidity, and taxation.
- Comparing financial scenarios: early repayment, refinancing, reallocation, divestment.
- Analysis of solutions offered by banks: suitability, risks, alternatives.
- Banking independence strategy: diversification, separation of roles, clarification of mandates.
- Building a financial architecture consistent with your overall wealth strategy.
Objective:
To ensure rational, aligned, and completely independent decisions.
Implement your financial decisions and structure a healthy banking relationship.
I support you in the practical implementation:
- Preparation and support for banking discussions.
- Support during negotiations: rates, fees, terms, account structuring.
- Selection or reorganization of investments in line with your objectives.
- Establishment of a banking governance framework: mandates, reporting, control.
- Coordination with tax specialists, accountants, and financial managers if necessary.
- Regular monitoring to adjust your financial strategy in line with your personal circumstances.
Objective:
To establish controlled, transparent, and sustainable financial management.
Would you like to clarify your financial decisions?
An initial discussion often helps to clarify things: understanding your situation, identifying your challenges, and determining whether I can provide you with useful support.
A simple, confidential, and non-binding setting—just a conversation to move forward.