Financial planning

Consultique
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Independent financial planning: take control of your future.

We offer personalized financial planning services, helping families and professionals turn their available resources into concrete and achievable life goals in the most efficient way possible.

Over 20 years of experience in financial planning.

In the early 2000s, when financial planning was still little known in Italy, Consultique was among the first to offer this service to families and private investors, anticipating the needs of an evolving market.

For over twenty years, we have supported our clients in building financial plans that go beyond simple portfolio management. By integrating all aspects of life and wealth, we create personalized scenarios that enable our clients to face the future with confidence and peace of mind.

As an independent financial advisory firm, our sole objective is to protect and plan our clients’ wealth through a comprehensive financial planning service that brings together numbers, strategies, and personal values.

Why plan?

Effective financial planning allows you to:

  • Organize your financial, pension, and tax situation
  • Gain awareness of your real needs and available resources
  • Build an adequate retirement plan and preserve your standard of living
  • Keep your capital protected from inflation
  • Safeguard your wealth from unexpected events
  • Plan major projects (home, children, business, early retirement, leisure) without compromising your financial balance
  • Continuously ensure that your choices remain aligned with your goals
Globally recognized for our expertise in financial planning.

In the 2000s, Consultique was among the pioneers in Italy to offer financial planning services. Today, in addition to monitoring financial portfolios, we integrate all aspects of our clients’ lives and assets, creating personalized scenarios to face the future with confidence.

At the end of 2023, we were recognized as the leading Italian training institution for the CFP® (Certified Financial Planner®) exam, the world’s most prestigious certification in financial planning. This recognition confirms that our working methodology meets the highest international standards.

Our approach

An effective financial plan comes from an integrated process, unique to each client. In 5 steps, we turn analysis into a concrete strategy.
1. INITIAL ANALYSIS AND SNAPSHOT
2. DEFINITION OF GOALS AND PRIORITIES
3. INTEGRATED WEALTH ANALYSIS
4. PLAN DEVELOPMENT AND OPERATIONAL STRATEGIES
5. CONTINUOUS MONITORING AND UPDATING

The benefits of a comprehensive financial plan

A well-structured financial plan is more than just a document: it is a concrete guide for living in the present and building your future. With careful planning, you can:

 

  • Control your finances and reduce uncertainty: Having a clear view of income, expenses, savings, and investments allows you to make informed decisions.
  • Manage unexpected events without compromising your goals: Protecting your wealth and planning alternative scenarios enables you to face changes or emergencies with confidence.
  • Free up resources for new projects: With an effective strategy, you can allocate resources to investments, major purchases, or experiences without sacrificing financial balance.
  • Preserve your future standard of living: Building adequate retirement plans and setting long-term goals ensures security and quality of life in the years to come.
  • Make informed decisions based on data and realistic scenarios: Planning provides practical tools to choose wisely, avoiding impulsive or risky decisions.

A comprehensive plan does not limit your choices—it makes them more conscious, strategic, and focused on your future.

"The financial needs identified in this phase will guide investment choices, rather than the sole pursuit of performance outcomes."

From financial planning to personalized investments

For Consultique, financial planning goes beyond defining goals and needs: it is the foundation for building tailored investment strategies designed exclusively for our clients’ interests. We do not sell financial products; we provide independent financial advice based on objective, personalized analysis that puts families and private investors at the center.

Thanks to this approach, every investment decision is based on a thorough understanding of the client’s assets and priorities, ensuring choices that are coherent, effective, and sustainable over time.

For us, financial planning is therefore at the heart of our service: an integrated process that allows clients to face the future with confidence, protect their wealth, and transform available resources into concrete tools for achieving their life goals.

FAQ

Financial planning is a strategic process that helps manage your financial resources, allowing you to set goals, identify future needs, and plan investments. It is essential for gaining a clear understanding of your financial situation and making informed decisions for the future.

Financial planning is designed for those who want to organize their financial situation and make informed decisions about their life goals and the future of their wealth. Our clients typically include professionals such as lawyers, doctors, and executives, entrepreneurs and business owners, as well as families with long-term projects and assets to manage.

This service allows clients to optimize available resources, plan investments strategically, and protect their wealth—always with a personalized, tailored approach built for each individual.

The Certified Financial Planner™ (CFP®) designation is the most prestigious in the world of financial planning, internationally recognized as a standard of excellence in wealth advisory.

By choosing Consultique, you not only receive guidance from CFP® certified professionals, but also benefit from the experience of a firm that is an official training body for the Italian market. This means our methodology not only adheres to the highest global standards but also directly contributes to training new professionals, ensuring clients access the highest level of expertise currently available in Italy.

To begin the consultation, it is necessary to provide information and documents that allow us to have a complete and realistic view of your assets.

Specifically, we will ask you to provide, through questionnaires dedicated to each area of your wealth, data on:

  • Pension plans: INPS contribution statements, any supplementary pension plans or pension funds.
  • Household budget: income, expenses, savings, debts, and cash flows.
  • Insurance: life, accident, health, and liability policies.
  • Real estate: properties, market value, and any mortgages.
  • Investments and financial assets: securities portfolios, available liquidity.

After a financial planning consultation, you will receive a personalized report that integrates all areas of your wealth: savings, investments, real estate, pensions, insurance, and more.

This document is not just a snapshot of your current situation; it presents concrete, customized scenarios that allow you to evaluate the best strategies to achieve your life goals, protect your wealth, and plan for the future in a conscious and efficient way.

But it doesn’t end there: thanks to this work, you can also continue with us on the investment side, knowing that every recommendation will be truly aligned with your interests, needs, and life objectives. Investing without this planning means making decisions based solely on performance or generic advice, while with an integrated plan, investments become a practical tool to achieve your personal projects.