Our range of services
Tools and methodologies for dealing with
complex problems
Only one approach: we want to help
Over time we have realized that, talking about money, for many people means talking about headaches. People often feel a sense of unease related to financial choices:
How to manage and grow savings in an efficient way?
How to manage the risks to which the family is exposed?
When does it make sense to get a loan?
Being a financial coach means never using the “copy & paste” solution. For us, it is different every time, because each of our client is different.
What always remains the same is the effort to advise you in the best way.
Here we describe our services and give some examples.
Independent financial advice for your investments
STOCKS, BONDS, ETFS, MUTUAL FUNDS
This is the most important service for us because it has to do with people’s goals. Whether it’s buying a house, financing a business or paying for your children’s education, it is always important to have the right amount of money to do it with peace of mind.
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What we do for you
At Meridian, we transform your life goals into a precise number that we will clearly write and explain in your Personalized Financial Plan.
We will then regularly provide you with a report, which outlines the performance and trends of your investments and whether we are on target with regards to the desired goal.
It is important to understand that your money will always stay in your account or safekeeping account with the bank of your choice.
You will be in control of all your investments, having them readily available, whenever you want.
Let’s make an example
When you buy a house, you need to have at least a certain part of equity capital; We will help you to understand how and over which time period your invested assets can constitute that initial equity capital.
Or if you are not clear on how much it will cost you to finance your children’s education, we calculate the full cost of this (from books to tuition) and help you to reach the necessary capital when it is needed.
What’s in it for me?
Our job is to accompany you – just like coaches – step by step in your investment decisions. We will only recommend the investments that will be most appropriate to get what you actually need.
Accreditation
Meridian SCF is fully authorized by the italian Financial Servies Authority (OCF – Organismo della consulenza finanziaria) to provide financial advisory services – resolution no. 1226 of 11/28/2019
Meridian SCF adheres to the Authority for Financial Disputes (ACF) along SIM and SGR banks.
OCF is the supervisory body of Italian Financial Advisor which received its power from Consob, the Italian regulatory body of Financial Markets. Consob is the Italian Equivalent of Financial and Conduct Authority in UK and Security and Exchange Commission in USA
Meridian SCF joins the Arbitrator of Financial Disputes
Tailor-made solutions to manage your financing needs
MORTGAGES, LEASING, OVERDRAFTS, CONSUMER CREDIT, LOANS, LOMBARD LOAN
There are many credit solutions and making the right choice is not always easy.
We help you understand how to best finance the purchase of a first or second home, a car, whether to ask for a loan or a lombard loan for that project you have in mind.
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What we do for you
To come to the right financing decision, you need to take into account your assets (something of value you own), your investments and your income. By analyzing your overall situation, we build the most efficient and ideal financing formula catering to your needs.
We at Meridian are neither intermediaries nor credit brokers. We do not recommend an off-the-shelf financing product. On the contrary, we tailor-make it for you and help you evaluate what the banks offer you.
Let’s look at a concrete example.
If you want to take out a mortgage to buy a house, you shouldn’t only ask your house bank. They might offer you already “packaged” products that are not necessarily suitable for you.
We will define with you all the characteristics (duration, type of rate, costs, etc.) that make up the mortgage that would best fit your current and future financial situation.
After that you can go (we are also happy to accompany you) and search for banks that meet the optimal characteristics we have defined. Together, we will review the available solutions and recommend which one to choose.
What’s in it for me?
Less headaches having to choose amongst different banking offers, we negotiate on your behalf, we make sure you can afford that particular purchase. This is our way of always being by your side.
Accreditation
With a long track record in financial services we know the credit market and its tools well. We are not a bank or a financial company that provides mortgages or loans, but we evaluate their proposals with you.
Facilitating generational collaboration for a smooth transfer of wealth
WILLS, FAMILY AGREEMENTS, TRUSTS, ESTATE PLANNING
This is the time to think about the new generation: How to secure their financial future, and how to be sure that whatever happens, they have the best chances of fulfilling their life goals.
This cannot be done through a deed from the notary, but through consultation and collaboration. We at Meridian are here to help you with that conversation, with mapping the generational transition step by step. We want to make everything clearer and more transparent.
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What we do for you
We ask you to open up about your family and allow us to hear your story. This will make us understand how you would like the support the family to live and which objectives to pursue: For example asset protection and preservation, financial peace of mind
Analyzing family assets and finances is important, but without the history and context of the family situation, we cannot outline the best course for you to take to achieve your goals.
Leaving it all to the default option under the civil code may get things done quickly, but most likely at a much higher cost, jeopardizing the original objectives of the family
Let’s look at a concrete example
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Parents who have two houses and two children can decide who will stay with each of the two. Without infringing on anyone’s property rights, we can help you navigate the pitfalls of an equal but impractical bequest, thus avoiding a potential conflict between the children.
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Two people of the same sex who stay together without a civil union expose their partner to great emotional and financial risks. Today this situation is fortunately manageable and remediable.
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Donations made in life may or may not represent advances of inheritance. Using the right legal tools in these processes avoids discontent or disputes in the future.
What’s in it for me?
We believe it is important to involve the whole family, if not directly at least by reflecting on what the different generations would want for themselves.
Accreditation
We tap on our education and professional experience to offer you the best consultation service. We do not replace lawyers and notaries, but we collaborate with them, protecting your interests from a financial point of view.
Financial coaching through unexpected life events
INSURANCE ADVICE
It would be nice if we had control over everything in life, but that will not always be the case. We can, however, plan how to manage the unexpected events related to accidents, illnesses and major unforeseen events.
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What we do for you
We start by analyzing your assets and we advise you on how to protect your capital, your family, your future: We identify the risks that you should not take on your own and recommend insurance solutions available on the market that best meet your needs.
We are not insurance brokers, but we will point you towards trusted and professional insurance brokers: They will show you the best insurance options to mitigate the risks that you do not want to be exposed to.
Let’s take a look at an example
Health, life, accident insurance or coverage for losing the ability to work [eg. Long Term Care] cover some risks that people and families very often underestimate. This applies to everyone, both for those who rely on a salary but even more so for the self-employed and freelancers.
What’s in it for me?
It is important not to underestimate these aspects that might impact – potentially heavily – the overall financial resources of the individual and the family. At Meridian, we are very keen to have a positive impact on the lives of our clients in the broadest sense possible.
Accreditation
We tap on our education and professional experience to offer you the best consultation service. We help you identify the typical risk areas in people’s lives.
We help you evaluate your insurers and insurance products. We will be by your side to help you make the best possible choice.
Talk to us
You can call us, write us an email or come and visit us (by appointment).
Call us
Write to us
Address
Call us
+39 389.4862777
Call us to make a first
telephone appointment
Monday to Friday from 9.00 to 17.00
Retirement and pension advisory
ANALYSIS OF YOUR PENSION SITUATION, ADVICE ON THE PENSION GAP, SUPPLEMENTARY PENSION FUNDS.
We hear it too often to ignore it. Our clients do not know their pension situation well: when and how much they will take from their public contributions or from the private pension funds. They don’t know if what they will take will be enough to maintain their standard of living. Not to mention those who have worked outside our country and do not know if and how their years of work abroad will count.
But maintaining ignorance of these critical aspects of your financial life is not an answer.
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What we do for you
We will have to review your current situation, we will check your public pension contributions and any other contributions you might have made from other working arrangements. This will tell us if the capital that you set aside will be sufficient for the day you seek to retire to maintain your standard of living. If that amount will not be enough, we will advise you of the gap which needs to be bridged, including the amount of capital needed. This is our job.
Let’s make an example
Those who have lived and worked abroad often have a pension situation that is difficult to frame and predict. In this case it is necessary to collect the information, consolidate everything in a single account statement and prepare a forecast on your pension payout. We will then compare this vis-à-vis your current and anticipated lifestyle. If you will lack capital to maintain your living standard going forward, we will help you build the capital with the most suitable tools for you.
What’s in it for me?
Planning a financially secure retirement also improves your present.
Accreditation
When we recommend an investment to you, we are authorized to provide this service by the Italian Supervisory Body of Financial Advisors. We are authorized to provide financial advice, regardless of where the client Is geographically based. Meridian SCF was authorized with resolution 1226 of 28 November 2019.