Independent financial advisory

  • Home
  • Independent financial advisory
Consultique
Consultique logo mini

Independence. Transparency. Protection.

We will assist you in the proper allocation of your assets, which remain with your bank.

Independent financial advisory: discover how we protect your wealth

Consultique offers independent financial advisory services to individuals, businesses, and institutional clients across all regions of Italy. With over 24 years of experience, we have earned the trust of our clients through the expertise of our Research Department, which is the primary provider of independent analyses for the leading financial newspaper, Il Sole 24 Ore.

Our primary goal is to protect our clients' assets from conflicts of interest and market volatility. Therefore, we provide financial planning that fully aligns with our clients' goals. Our advisory services ensure a comprehensive understanding of the real risks associated with financial products, their costs, and any inefficiencies in the client-bank relationship.

No commissions, fees, or incentives. We are paid only by the client

We are an independent financial advisory firm, unaffiliated with banks or networks. We provide our clients with proprietary software to offer financial advisory and planning services remotely, online, and in encrypted environments, ensuring maximum privacy and data protection.

Benefits of our financial advisory

  • Significant reduction in costs and risks affecting your investments.
  • Awareness of where your money is truly invested (markets and instruments).
  • Optimization of your assets in financial, pension, and insurance aspects.
  • Having a single point of contact with the traditional financial system.
Independent financial advisory for investors, families, and financial holdings

Always alongside investors, our team of experts monitors financial markets daily and assists clients in all areas of financial advisory. We offer our clients the experience, expertise, and resources of an independent Research and Analysis Department, enabling us to create personalized financial plans that adequately reflect their investment objectives.

Thanks to our working methodology and independent approach, we provide specialized consulting that ensures clients are fully aware of the risks associated with financial products, the costs, and any inefficiencies in their relationships with financial institutions.

Our financial consulting services cover the following areas:

  • Analysis of financial instruments and products
  • Customized asset allocation strategies
  • Integrated financial planning
Contact Us
INVESTMENTS AREA
  • Assessment of the client’s banks’ financial solidity
  • Independent analysis of all existing investments
  • Renegotiation of all conditions applied by the bank or sales network
  • Asset allocation broken down by risk, assets, instruments used, and investment themes
  • Ongoing monitoring and reporting over time
  • Training on financial instruments and markets
PLANNING AREA
  • Analysis of the family’s balance sheet, income statement, and cash flow
  • Independent pension and insurance planning
  • Tax and real estate planning
  • Wealth transfer planning (in collaboration with other professionals)
  • Evaluation and analysis of debt situations (mortgages, leases, guarantees, sureties)

Frequently asked - FAQ

The only compensation we receive comes directly from the client through a fixed annual fee, which varies depending on the complexity, the agreed objectives, and the time required for assistance.

We discourage performance-based or percentage-based fees on assets, as they could incentivize the firm to take higher risks with the client’s investments to increase the value on which the fee is calculated. Moreover, percentage-based and especially performance-based fees are more burdensome for the client’s assets in the medium and long term.

It is not necessary to change banks. The client can keep their current bank. Together with Consultique, it is possible to evaluate whether to use a different bank, if it is considered more solid or efficient in terms of investments and costs.

Certainly, our independent financial advisory firm operates throughout the country. We use proprietary software that allows us to provide financial advisory and planning services remotely, online, and in encrypted environments to ensure maximum privacy and data protection.

No, Consultique provides only independent financial advisory. Transactions are carried out by the bank based on the client’s instructions, who authorizes the execution of the investment recommendations.

With Consultique, you rely on a team of experts with over 24 years of experience. Investment decisions are made by a highly qualified internal Committee that monitors markets and investments daily. Our advisors, all employees, are dedicated exclusively to client care and support, ensuring a personalized service free from conflicts of interest.

No, we consider a wide range of financial instruments to ensure diversification and tax optimization. Our advisory is personalized, focused on life goals. Each meeting is an opportunity to improve the client’s financial literacy, helping them better understand the choices related to their assets.

The client has a dedicated independent financial advisor and a supporting team of analysts with whom they can interact in person, via email, and by phone. At scheduled intervals or whenever necessary, the client is provided with a detailed report containing information and updates on their overall financial and asset situation.

In the financial world, selling a product involves transferring risks and fees to the client: the higher the level of risk transferred, the greater the commissions earned by those who created and distributed the product. An equity fund carries higher fees than a bond fund. If the advisor is paid based on product sales, they are incentivized to recommend the products from which they receive the highest compensation.

Consultique is also an independent research firm with an internal Research Department staffed by analysts and financial experts.

Consultique is an independent financial advisory firm specializing in the creation of financial plans that allow clients to achieve their life goals in the most efficient way possible.

We develop investment strategies that are the result of careful financial planning, taking into account all aspects of the client’s assets.

We help our clients retire with peace of mind and the highest possible benefits.