There are always two key aspects: The personal aspect and the technical aspect.

We take the time to listen and understand your life, your personal objectives, and your financial goals. 

We choose the instruments that best suit your objectives, bypassing the usual bank and financial services related charges and product fees since we are not a bank.

We want to do our job well: If you are not satisfied, we won’t be. Therefore, our career path begins with understanding your life and then your financial goals.

We respect your time and energy. We want to help direct them effectively and efficiently towards objectives and investments which are suitable for you. Only to you.

Above all, we help you with:

• Wealth and estate planning for your family
• Selecting investments suitable for you and your family
• Building a pension sufficient to fund your standard of living
• Avoiding bank and financial service charges and fees that have no value.

Meridian operates in full compliance with Italian and European law and we are covered by professional indemnity insurance.

Meridian SCF received authorization to provide personalized financial advice from the Supervisory Body with resolution no.1226 of 11/28/2019

https://www.organismocf.it/portal/web/portale-ocfOCF has received its supervisory powers from Consob (the Italian financial markets regulator) and OCF supervises all financial institutions that provide financial advisory in Italy and abroad.

Meridian SCF adheres to the Arbitrator of Financial Disputes (ACF) as well as SIM and SGR banks.

Our registered office is: 20122 MILAN (MI) Corso Europa, 15 – C / O Spaces
REAMI number: 2557688 Tax code and registration number to the Business Register: 10791940967

PHASE 1: We will create your “statement of financial purpose”, i.e. your personalized investment plan with all the information that will guide us through the time in which we will be providing investment advice.

In this document we will clearly explain:

• “Why” we are investing: i.e., we will get to specific objectives – your objectives. We will be specific about a Euro (or Dollar) amount and the necessary time horizon to reach that goal.
• “How” we are investing: i.e., how much we will be investing in stocks or bonds, in which strategies or themes, in mutual funds or ETFs and/or in single names (stocks or bonds). This is the asset allocation of your portfolio.
• “What” we are investing in: i.e., the specifics of each instrument we are going to buy and that will be part of your portfolio, including the ISIN codes, quantities and on which Stock Exchanges they trade.

PHASE 2: Once we are aligned on the Why, How and What of your personalized investment plan, we will handhold you each step of the way to implement our recommendations into actual investments on your banking or broker platform. If your online banking account is not equipped with a trading function, we will show you how to set it up.

Usually, we do not invest everything in one lump sum, but we will ‘dollar cost’ average our entry into the markets in different tranches, depending on the amount of cash available for investments.

This is how it works:

We will send you a personalized email from our position keeping software with the details of the trade to be implemented, including the name of the instrument, its ISIN number, the quantity to buy and on which stock exchange to buy it.

For the first couple of times, we will handhold you through the process (either in person or via Zoom, Skype, MSTeams etc.) on your banking platform: It’s quite straightforward, although at first it might look daunting. Once you get used to it, you will be able to do it on your own.

PHASE 3: The monitoring and rebalancing phase starts. We need to make sure your portfolio stays balanced and the asset allocation in line with your objectives, hence:

We will monitor your portfolio through our position keeping software

To be consistent with our objectives, as per Phase 1, we might need to send you some “rebalancing trades” to maintain the asset allocation. We will then send the emails as per Phase 2.

Do not expect the rebalancing to happen very frequently, it’s actually quite the opposite. It all depends on how the financial markets behave. Many months can go by without having to rebalance the portfolio or we might need to rebalance more frequently in shorter time horizons if there are corrections or significant deviations from our desired asset allocation.

A golden principle is: The less we operate on your portfolio, the better – we build it, in the first place, to grow over a long-term horizon and we need to allow it to grow without unnecessarily interrupting its growth trajectory. We weed out and navigate the noise of financial markets in the short term and we will not do knee-jerk reactions because of this noise: We act continuously on the plan, and we strive to remain adherent to your financial “purpose” for investing.

In all 3 phases, we will hand-hold you, as your financial coach. We simplify the processes and help you reach your financial goals.

It is important to understand that your money and investments remain with your current bank or broker. 

The bank is the custodian of your money: We provide the advice tools that will help you invest your money efficiently.

We make sure that your bank or broker is offering the right platform, easy to deal with and has reasonable charges.

Our clients are always in control of their accounts.

Our clients will instruct and authorize the buying and selling transactions on the banks or brokers platform.

We at Meridian will provide regular reporting on the performance of your portfolio (although you will always be able to check the performance yourself via your bank account).

If you are interested, we can advise you which banks will offer the services that are best suited to your needs and offer a simple current account management.

We at Meridian are not a bank and have no commercial agreements with any intermediaries, but we have deep knowledge and understanding of the industry and are well equipped to advise you in the best possible way.