AD HOC STRATEGIES
FOR YOUR FINANCES
TO FLOURISH

KNOWLEDGE OF THE MARKETS
TO ALWAYS SAIL SMOOTHLY
CUSTOMIZED ANALYSIS
FOR TAILORED INVESTMENTS
ABILITY
TO FOCUS ONLY
ON YOUR INTERESTS
ASSISTANCE AT EVERY STEP
TO ENSURE RESULTS

CONSULTANCY FOR PRIVATE INVESTORS

Pazzaglia & Partners offers integrated consulting that takes into account all different financial needs, from investment to asset management and insurance…

CONSULTANCY FOR COMPANIES AND INSTITUTIONS

Today’s businesses are operating in a complex economic and financial environment (Basel Agreements, low interest rates, foreign competition…

CONSULTING AND APPRAISAL FOR LITIGATION CASES

Pazzaglia & Partners provides technical consultancy to private investors, professional firms, companies, public and institutional bodies, identifying possible debts…

The value of independence

WHY CHOOSE AN INDEPENDENT CONSULTANT?
WHAT DOES THIS TYPE OF ADVISE MEAN AND WHAT BENEFITS DOES IT INVOLVE?

First and foremost, CONSOB provides us with precise criteria to identify and define financial advisory activity as “independent”: an independent financial advisor can provide consulting services without holding any money and financial instruments belonging to customers. He is not bound to any intermediary. He is paid exclusively by customers, who benefit from the service, and does not receive grant-backs or commissions by any bank, intermediary or product company.

For these reasons, independent advice is not sales-oriented and not compromised by any conflict of interest. This results in greater objectivity and freedom in choosing the most suitable investment for customers, which does not necessarily coincide with those offered by a particular broker.

The most common choice for investors is to turn to traditional channels, such as banks or insurance companies. The reason is that this kind of advice seems to have no cost but, in reality, these operators are in conflict of interest with customers. Their compensation generally comes from high commissions on products sold and the higher the level of investment risk, the higher the commissions.

Pazzaglia & Partners does not sell financial products and has no conflicts of interest;
on the contrary, its interests match with those of the customer.

Pazzaglia & Partners

Pazzaglia & Partners has been providing consultancy services to private investors, companies and institutional bodies for over ten years.

It is an independent financial consulting firm and, as such, does not receive any compensation from any intermediary, but is paid by fee-only disbursed by customers. For this reason, it can operate freely, out of any conflict of interest and for the exclusive benefit of its customers. The firm is at its customers’ services, assisting them at every step in the proper allocation of assets and the objective valuation of risks involved in the investments, also assisting them in managing relationships with banks and other financial operators. Customers who wish to do so can keep the assets at their own banks, though can get a clearer and more informed view of their investments and costs thereof, with all the support needed for a possible renegotiation of conditions applied.

Experience, expertise, and a broader view of financial market offerings enable Pazzaglia & Partners identifying the best managers and the most cost-effective and balanced investment strategies in terms of risk/investment ratio.
In fact, the firm analyzes in detail all types of financial and social security products marketed by adopting the most effective valuation methods, such as the Open Pension Funds and Exchange Traded Funds (ETF) ratings. The investor who decides to take advantage of Pazzaglia & Partners’ advice will immediately get a significant reduction in costs and risks associated with the selected investments, in addition to a net increase in returns.

FAQs

How is the firm compensated?

The firm does not receive incentives or commissions from third parties for the placement of financial products; it is compensated by its clients by way of fees assessed on the basis of professional services provided. For this reason, it is possible to create a stable and continuous fiduciary relationship with our clients, who will achieve their goals in a context of maximum transparency.

How much does a consultation cost?

The fee must be established prior to the delivery of consultation services. Each customer receives a cost estimate for the requested services, in which are detailed tasks and their prices. The fees we assess for our services are considerably lower than costs applied by banks, finance or insurance companies, which often do not itemize such expenses, and are amply offset by the results our consultancy provides.

WHAT ARE THE BENEFITS OF OUR CONSULTING SERVICES?

After a detailed analysis of a client’s financial position, as well as costs and quality of the financial products held in a portfolio, P&P will be able to direct its client towards more effective instruments, improving performance and considerably reducing costs.

WHO WILL MATERIALLY MANAGE MY MONEY?

P&P does not hold clients’ money and financial instruments. Our firm’s professional activity consists solely in providing recommendations for clients to put in place at their banking institution of choice, with all the safeguards to which intermediaries are subject.

WILL I HAVE TO SWITCH MY BANKING INSTITUTIONS?

It is not necessary, since investment improvement guidelines are potentially executable by any institution. P&P can also assist clients in the operations and in the re-negotiating of conditions defined by their banking institution or, possibly, suggest the best brokers on the basis of each customer’s discrete needs. Ultimately, however, clients choose their own banking institution.

Code of ethics

The independent fee-only financial consulting firm
Pazzaglia & Partners complies with the Code of Ethics of the NAFOP association:
Integrity

A fee-only financial planner provides professional services to his customers with complete total integrity. The concept of integrity implies honesty and sincerity and must not be subject to personal gain/advantage. The financial planner will not receive money, means of payment or transferable securities payable to him, authorized intermediaries or third parties, and not perform operations on behalf of the client or receive mandates or authority to make purchases, negotiations or other similar operations.

Objectivity

A fee-only financial planner will aim at providing consulting services to his customers and provide professional services with due caution, intellectual honesty and impartiality. Therefore, he undertakes to provide customers with appropriate information on the risks, costs and burdens of existing and suggested investment and financial instruments.

Skills

A fee-only financial planner will provide his clients with consultancy services with appropriate expertise and professional training. A fee-only financial planner is continuously committed to learning and improving professionally: he will attend annual training programs to improve his skills in all areas of activity, maintaining them at the highest quality levels.

Impartiality

In presenting his services, a fee-only financial planner shares with the customer all information relating to the professional relationship, specifying that the only source of compensation will be the customer, thus excluding any form of conflict of interest and in accordance with established laws. Therefore, the financial planner agrees not to charge commissions, bonuses, discounts, prizes, indemnities or any other form of compensation from third parties, other than the customer’s bill.

Confidentiality

A fee-only financial planner will not disclose confidential information of which he may become aware during the professional relationship with customers, unless they give their consent otherwise. Therefore, he undertakes to comply with the obligation of confidentiality and professional secrecy on any information received by virtue of the assignment received.

Collaborazione

Un fee-only financial planner collabora con tutti gli interlocutori del cliente al fine di pervenire ad una completa e corretta visione d’insieme della situazione patrimoniale e finanziaria del cliente attraverso la quale garantire un servizio completo ed efficace con l’obiettivo della massima soddisfazione del cliente.

Correttezza

Un fee-only financial planner rispetta gli altri professionisti e crede in una sana ed onesta competizione. Si impegna inoltre a segnalare eventuali comportamenti illegali e scorretti di cui venisse a conoscenza.

Diligenza

Un fee-only financial planner fornirà i servizi di consulenza in un modo ragionevolmente rapido e completo dopo essersi accertato di essere in possesso di tutte le informazioni necessarie all’erogazione della prestazione. Inoltre, presupposto dell’erogazione del servizio è l’individuazione di un’esigenza effettiva del cliente cui seguirà una consulenza corretta ed adeguata al profilo del cliente stesso.

Analysis & pubblications

ISP (Individual Savings Plans)
ISP (Individual Savings Plans)

The 2016 Stability Law introduced the ISPs, namely, investment plans that, following certain rules provided for by the law, allow for complete tax relief (capital gains, dividends, succession and donation).
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MANAGED SAVINGS MARKET
MANAGED SAVINGS MARKET

A broad swath of Italian wealth is allocated to managed savings products; both in terms of collective management (funds), and portfolio management (asset management in funds), as well as the large aggregate of insurance management.
[…]

BITCOIN IN SUMMARY.
BITCOIN IN SUMMARY.

Bitcoin is a fiduciary currency based on technology called “blockchain”, which allows a non-centralized verification of transactions. It exists only in electronic format.

[…]

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