We are remunerated exclusively by our clients through fees, ensuring the complete absence of conflicts of interest.
We act solely and always in the best interests of our clients, safeguarding their investments from the traditional financial system.
We are not tied to any bank, intermediary, or product company.
The independent financial advisor is a professional in the financial sector who works exclusively for the client, without any ties to banks or commercial networks. Their compensation comes solely from the fee paid by the client, thereby ensuring full impartiality in decision-making and the absence of conflicts of interest in providing financial advisory services.
Unlike advisors affiliated with banks or commercial networks, the independent financial advisor does not receive commissions or incentives from financial intermediaries or issuers, as the sale of financial products is prohibited. This fee-only model ensures that recommendations are always aligned with the client’s best interest.
Today, the profession of independent financial advisor represents a revolution in the Italian financial market, which was previously dominated by bank employees and single-mandate sales agents. The institutional recognition of this profession came in December 2018 with the establishment of the Albo Unico dei Consulenti Finanziari (OCF), marking an important step forward for transparency and the quality of services offered to Italian investors.
The independent financial advisor aims to protect the wealth of investors and savers from market turbulence and the typical conflicts of interest of the traditional financial system. They also help plan financial resources to achieve life goals, such as securing a desired income starting from a certain date, paying for children’s future university tuition, purchasing real estate, and so on.
The main activities of an independent financial advisor include:
To be authorized to offer independent financial advice, the advisor and the firm must be registered in the first two sections of the "Albo Unico dei Consulenti Finanziari" (OCF). The OCF, established in 2018, is the body that collects all authorized financial advisors, divided into three sections:
If the financial advisor is enrolled in the third section, they are not independent.
We brought independent financial advice to Italy to protect savers’ wealth. We are not paid by any bank or network and we act solely in your interest. Access our advisory and wealth planning service to calmly reach your life goals.
Consultique’s advisor is remunerated on a fee-only basis by the client, similar to how lawyers and accountants are paid, for advisory and financial planning services. The fee amount is determined based on the time required, the complexity of the client’s assets, and the client’s goals.
Our service stands out for its transparency, offering clients specialist advice that ensures a full understanding of the real risks associated with financial products, costs, and the actual allocation of their assets.
Consultique is the first independent financial advisory company in Italy, with over 24 years of experience in the sector. As pioneers in independent financial advice, we stand alongside Italian savers and investors to protect their assets and shield them from potential conflicts of interest in the traditional financial world.
Our clients benefit from Our Research Department composed of a team of 30 people who support Advisory Team; this department is also a major provider of analysis for the Italy’s most famous financial newspaper, Il Sole 24 Ore. In 2004, we implemented the world’s first ETF rating, which we publish weekly in Plus24 along with pension fund ratings.
In 2023, Consultique was selected as the first training institution in Italy for access to the CFP® exam, the most prestigious global certification in financial planning. This recognition owes to our know-how and experience, as well as the level of our training, which already meets the highest international standards.
Our service is transparent and allows clients to benefit from specialist advice that ensures full awareness of the real risks associated with financial products, costs, and the actual allocation of their wealth. Our independence allows us to always recommend what is best for the client, with no pressure or constraints related to selling financial products.
The founders of Consultique, Cesare Armellini, Giuseppe Romano, and Luca Mainò, are also the authors of books on independent financial advice for Il Sole 24 Ore. As of May 5, 2022, the new edition of the book is available throughout Italy, following previous publications in 2006 and 2008.
After contacting our independent financial advisory firm, you can schedule a free introductory meeting. During this meeting, the client presents their financial situation, supported by any documentation. The meeting also seeks to understand the pension and insurance aspects of the person and the entire family unit.
At the end of the meeting, a fee quote is provided. Each client is assigned a dedicated independent financial advisor and a support team of analysts to interact with.
At predetermined intervals, or when necessary, the independent financial advisor presents the client with a detailed report on their investments, updates on their financial and retirement situation.
Our advisory service includes independent analysis of all held investments, renegotiation of terms offered by the bank or sales network, personalized investment advice (“custom recommendations”) and asset allocation based on the client’s goals , preparation of retirement and insurance plans, and advice on how to plan the family’s cash flow.
Our decades of experience allow us to protect the assets of our private clients, companies, or institutional bodies from conflicts of interest and financial market turbulence.