How We Work

A simple and transparent process — from first contact to a fully implemented portfolio and optional ongoing support.
No “magic,” no hidden risks, no hidden fees.
Fewer transactions – less paid to intermediaries like banks and brokers.

1. Introductory Meeting

We assess your situation: goals, timeframe, starting capital, recurring contributions, experience, and risk attitude. I answer your questions, and we evaluate whether I can provide value.

You get: a clear understanding of the process and next steps.

2. Risk Profiling

A brief questionnaire + discussion to understand your tolerance for drawdowns, preference for stability vs. growth, and sensitivity to currency fluctuations.

Result: a defined risk profile (conservative / balanced / aggressive), with acceptable drawdowns in both percentages and real money terms.

3. Goal Setting & Constraints

We translate your financial goals into concrete numbers: how much, by when, in which currency, what return is needed, and what volatility is acceptable. We also account for taxes, jurisdictions, currencies, family plans, and regular contributions or withdrawals.

Result: 1-2 top-priority goals. For example:
“Save €100,000 for children’s education by 2035”
or
“Reach €5,000/month in passive income within 12 years.”

4. Investment Plan – Your Investor Rulebook

I prepare a short, personalized Investment Plan: asset class allocations, currency exposure, risk limits, rebalancing schedule or bands, list of allowed instruments, and restrictions.

Result: a 1-2 page document that brings structure and protects you from emotional decisions.

5. Portfolio Construction - Strategic Asset Allocation

We build your long-term asset class mix — a resilient base that performs across market cycles, not just in “ideal” years.

Result: a robust, well-diversified portfolio structure.

6. Instrument Selection

We pick specific ETFs / funds / bonds, prioritizing low cost, liquidity, and tax efficiency. No in-house products. No hidden agendas.

Result: a curated list of instruments with clear justifications.

7. Asset Location (if applicable)

We optimize which accounts hold which assets to reduce taxes and fees. For example: where to keep bonds, where to hold growth stocks, and what to keep in FX buffers.

Result: a clear map of your accounts and asset locations.

8. Implementation Plan

A step-by-step guide: what to buy, in what order, market or limit orders, how to automate regular contributions (DCA), and what to do if the market spikes or crashes.

Result: an action checklist + control spreadsheet (Google Sheets).

9. Rebalancing & Discipline

We define clear triggers (e.g., quarterly/semi-annual/yearly or threshold-based). Set up reminders and easy rules on what to sell/buy and how much.

Result: a rebalancing calendar and automated calculation file.

10. Monitoring & Ongoing Support

You’ll get a clean dashboard with key metrics: allocation, performance, drawdowns, progress toward goals. I’m available to answer questions and update your plan as your life changes.

Result: peace of mind and clarity, not market noise

What You Get

  • A concise Investment Plan (1-2 pages) - your personal rulebook
  • A ready-to-go portfolio with ticker list and allocation
  • An Asset Location plan (if needed) by account/currency
  • A step-by-step implementation guide and rebalancing checklist
  • A monitoring spreadsheet (Google Sheets) with simple instructions
  • Rules for stress scenarios (e.g., “If drawdown > X%, then do Y”)

Work Formats

  • One-time portfolio setup:
    Diagnostics → Investment Plan → Portfolio → Implementation Guide
  • Ongoing support:
    Rebalancing, goal updates, answers to questions
  • Portfolio audit:
    Independent review and optimization of your existing portfolio

I don’t promise double-digit returns every year.
I offer a transparent, repeatable process that helps you stay on track and make informed decisions.

Markets are unpredictable.
Our tools are structure and discipline

Ready to bring clarity to your finances?

Reach out — we’ll start with a short intro call and quickly map out how to turn your goals into a solid, actionable plan.

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