We contribute to expanding the knowledge of the field and to the dissemination of information thanks to the interaction with the world of culture, ideas, universities and publishing as well as the media specialized in finance with whom we collaborate.
Our curiosity and passion for asset management, for the development and distribution of financial and insurance products have allowed us to become contributors for several journals in the field: ADVISOR, ADVISOR PRIVATE, BLUERATING, INVESTIRE, PLUS il Sole 24 Ore, L’Economia del Corriere and Insurance Connect.
Investire | July 2021 Only 25% of Italians invest their savings in financial markets. In fact, Italian investors are the most reluctant in Europe to get listed on the Stock Market. The Stock Market has two main limits: on the one hand, several successful family
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AP Private | July August 2021 In 2003, I met the Italian manager of a small if renowned Swiss private bank. During the meeting, I argued in favor of the importance of the public image of a bank and of communication. “We would much rather
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Focus Risparmio | July 2021 Many people wonder what titles the market and, in particular, banks and financial networks will bet on. Before making any speculation, it is necessary to focus on some certainties. First: any form of investment should be increasingly in line with
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Insurance Daily | July 2021 Italians are a people of poets, artists, heroes, saints, thinkers, scientists, sailors, transmigrants etc. Italians are everything but investors. Only one Italian out of four invests his/her savings in the financial markets. Moreover, Italian entrepreneurs are among the most reluctant
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ADVISOR | July 2021 In Italy, investors are only 25%. The remaining 75% prefers keeping money on bank accounts in case of need. There are two main reasons: poor financial knowledge and low level of trust towards the industry of asset management and financial consultancy.
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Bluerating | July 2021 The financial advisor is a highly successful professional figure. Indeed, the level of satisfaction of the clients of financial advisors is, on average, higher than the level of satisfaction of clients assisted by other professional figures. Every year the industry of
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Investire | June 2021 The savings of the Italian people are – together with Italy’s unmatchable artistic heritage – among the most valuable resources of our Country. Yet, our savings share with our artistic heritage a sad record: their insufficient enhancement. The amount of liquidity
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We Wealth | June 2021 They were born between 1980 and 1990 in rich families or from an enterprising and successful parent. They share a patrimony of a few dozen million euros, which, in part, is already theirs. In Italy, few of them are self-made,
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Advisor | June 2021 We know it as Recovery Fund or Plan, but its real name is Next Generation EU. The objectives are promoting the digital transformation of the Country, supporting the innovation of the production system and investing in two Italian key sectors, tourism
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AP Private | May-June 2021 After having assisted a client for years, any private baker who is suddenly dismissed by his client’s descendants must feel great frustration. It is one of the first rules of financial consultancy: when a patrimony is very articulated and complex
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Bluerating | June 2021 The average age of financial advisors who assist the wealthiest client segment is 58, while their clients’ average age is 68. Over 40% of them are business owners or shareholders. Over the next 20 years, at least 800 billion euros
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Daily Media | June 2021 492 billion euros: it is the amount of liquidity on the bank accounts of Italian companies in February 2021 (source: Banca d’Italia). It is an impressive figure, even more so if we consider that the increase in the amount of
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May 2021 It can be a change of government or Janet Yellen’s personal initiatives, the shimmering mood of the ruling class in China, the whims of AstraZeneca, the off-and-on reopening of schools, the amount of work which increases for some and decreases for others, the
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Investire | May 2021 They are objects of obscure desire, unregulated and appreciated especially by those who see banks and financial markets as a bitter enemy. It is a copious army: millions of young millennials, digital natives, among them some of the most brilliant start
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Bluerating | May 2021 Remuneration is crucial for two reasons. The first and most common reason is that money is necessary to live and satisfy needs, which tend to evolve throughout life. In 1954, the psychologist Abraham Maslow introduced a motivational theory comprising a five-tier
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Advisor | May 2021 The merger by incorporation of UBI into Intesa Sanpaolo marks the beginning of a new, long-awaited season, the age of bank mergers. For a potential predator to turn suddenly into a prey is not ideal. Moreover, bankers prefer anticipating events rather
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Insurance Daily | April 2021 Any entrepreneur has the privilege of being the object of attention of the insurance broker, among the most proactive professional categories of the world of insurance. Of course, this does not mean that the broker, like the insurance agent, is
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Investire | April 2021 The scope of private banking and wealth management is ever expanding. Today the word multi-family office has entered the vocabulary of financial advisors. Driven by networks of financial advisors and private bankers, wealth management and private banking services have become accessible
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We Wealth | April 2021 Vanguard has recently opened its doors in Milan. It was, to be fair, an act of mere formality. The city had already been seduced by the American giant of ETF investing with its ambassador Simone Rosti. A lifetime has gone
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Bluerating | April 2021 Its name is quite cryptic and rich in consonants: we are talking about the SFDR, the Sustainable Finance Disclosure Regulation. The SFDR is a European regulation which includes ESG disclosure-related requirements for financial market participants and financial advisors. And, on 10th March,
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AP Advisor Private | March-April 2021 The industry of Private Banking is currently experiencing a time of great change. It all started with the rates reduction and the subsequent increase of the asset management component in the portfolios of private clients, which led them in
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Advisor | April 2021 2020 was a year of great success for the industry of asset management, as evidenced by the figures provided by ASSOGESTIONI. 2021 has started with a bang: the amount of assets collected since the beginning of the year has increased reaching
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Bluerating | March 2021 2020 was marked by exceptional results despite the difficult economic and social context, one of harshest since the postwar period. Many people wonder what kind of year 2021 will be for the world of financial consultancy. Much depends on vaccination plans,
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We Wealth | March 2021 After many months in lockdown, the imagination wanders towards open spaces, where the art of people dialogues with the living forces and forms of nature. Their meeting, frequently celebrated by ancient peoples, has known moments of prosperity. The term “third nature”
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Insurance Daily | March 2021 In Italy, over 800 billion euros in real-estate and business assets will undergo a generational renewal in the coming twenty years. Only 17% of Italians have addressed and solved the issue of generational renewal, compared with a European average of
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Investire | March 2021 In spite of this time of zero rates, networks of financial advisors have recently closed their best year of all time with a positive balance worth 43,4 billion euros (+24,1% compared to 2019, source: ASSORETI). In 2020, the industry of asset management,
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AP Advisor Private | January 2021 We are currently witnessing a process of democratization of private banking. Although this might sound like a contradiction in terms, today the services once intended for a selected few are accessible to everybody. In fact, the digitalization of the
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Advisor | March 2021 Many words are spent on sustainability and ESG investments. Hopefully, we will soon move from words to deeds. Our daily lives, every action made by businesses and families every year need to be sustainable and the strategies followed by the leaders
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Insurance Daily | February 2021 In Italy, there are over 4.5 million companies that hire over 17 million people; they are, for the most part, micro businesses. Small and medium-sized businesses (or PMIs) hire over 4 million people – their turnover is worth about one
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Investire | February 2021 Not unlike cavalry, alternative PIR funds (or Individual Savings Schemes) have come to the rescue of ordinary PIR funds. In fact, a series of stop-and-gos has made the launch of ordinary PIR funds quite difficult. The PIR funds saga began in
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We Wealth | March 2021 Elena Goitini’s recent appointment as CEO of BNL BNP Paribas has made us all proud: an Italian woman leading one of the largest Italian banks, part of a French group. Luckily, it is not a one-time instance: in Italy, other
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Nicola Porro | Economia e Finanza by Leopoldo Gasbarro |February 2021 With the GameStop affair, the world witnessed the assault on the financial sector by social media: hundreds of thousands of Sardines – members of an Italian political movement known as Sardines movement – joined
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Advisor | February 2021 The first Single Register of Financial Promoters (as financial advisors were called back then) saw the light in 1991. Desired by ANASF, the Single Register represented an exceptional result and the starting point of a long journey that marked the evolution
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Bluerating | February 2021 The work placement of 30-year-olds is a long-standing issue that concerns almost all professions – notaries, doctors, university professors, artisans, and so on. The world of financial consultancy is no exception – in fact, jobs in the financial field require skills
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Insurance Review | February 2021 Companies share an old Hamletic doubt: making or buying? This question reflects the alternative each company has between producing (making) or acquiring (buying) goods and services necessary for their activity. The choice has strategic importance because it leads to a
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Advisor | January 2021 Over the last decade (2008-2019), the Italian world of financial consultancy has experienced a major development: the overall financial activity has grown from 8% to 14% and the assets under management have grown from 20% to 25%. Today, there are over
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Insurance Daily | January 2021 Banks are currently witnessing the biggest revolution since the postwar period. The entire banking system is undergoing a process of redefinition. The process of aggregation of banking groups will culminate in 2021, lasting at least until 2025. In this context,
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Bluerating | January 2021 An unforgettable year is now behind us. Financial advisors have learnt a lot: first and foremost, that the future depends largely on each single financial professional, on his/her ability to welcome change and to sail towards a specific destination. A lot
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Private Banking’s quest to warrant efficiency AP Private November | December 2020 The Private client segment and its extreme points – HNWIs and UHNWIs – represent a true test bench for any bank, financial advisor or private banker. In fact, because of the size of
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The return of the Robo-Advisor Advisor | December 2020 Every day influential people working in the private banking, asset management and financial consultancy industry remind us about the rise in the total amount of liquidity held by the Italian banking system (which, for the record,
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Investire | December 2020 Three years ago, very few people talked about ESG. What used to sound as an enigmatic acronym, today has become the holy mantra of the asset management and financial consultancy industry, the quickest to recognize a phenomenon of growing importance. Four
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Il Sole24 Ore | 17 December 2020 by Lucilla Incorvati Because wealth and culture (for now) push more towards ESG investments? According to the latest Finer survey which mapped the 4.5 million clients of financial advisors, it is above all the most educated and richest
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Bluerating | December 2020 The Covid-19 pandemic has put a strain on our country and on the whole world. Very few industries survived the first wave of the pandemic; even fewer will outlive the second wave. Networks of financial advisors emerged from the Covid-19 storm
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Plus24 Il Sole24 Ore | 12 December 2020 In Italy the issue of generational change is still a taboo only 17% have solved it. On average, women, the over 75, those who live in the north, the most educated and the wealthiest are more sensitive.
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Investire | November 2020 Every year FINER conducts three monitoring surveys on three categories of financial professionals: 3.300 Financial Advisors (CF Explorer), 1.700 Private Bankers (PB Explorer) and 2.000 Bank Managers who deal with affluent clients (BM Explorers). Here is the percentage of women in
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Insurance Connect | November 2020 Banks and networks of financial advisors are not content with just their supremacy over the industry of life insurance. Recently, Italian banks and networks have invaded the field of liability and accident insurance. There are two main reasons. The most
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Advisor | November 2020 Since the very beginning, the world of financial consultancy has been the early hotbed of a successful service model that, in time, has become exemplary for financial institutions. Moreover, one of the main strengths of the world of financial consultancy is
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Bluerating | November 2020 Since the very beginning, the world of financial consultancy has been the early hotbed of a successful service model that, in time, has become exemplary for financial institutions. Moreover, one of the main strengths of the world of financial consultancy is
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Investire Today | 31 October 2020 The evolution of the financial advisor in 4 steps: 1. From “Promotori” to “Consulenti”, from financial promoters to financial advisors The change of name to Consulente, or Advisor, does not merely reflect a formal transition – in 2016, the
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Investire | October 2020 In Italy, ETFs were met with suspicion. Active managers considered them second-class products – in their opinion, ETFs could not make use of the many opportunities offered by the market (for example, going contrarian); on the contrary, they could merely take
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AP Private | October – November 2020 What are the eligibility requirements for Private Banking? What’s the minimum balance required to be classified as Private Client? The answer is not quite as simple: it depends on the bank and on the type of client. In
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Advisor | October 2020 Going back to work after our first post-pandemic summer made it clear that nothing will be as before. Today, the headquarters of banks and insurance companies, which used to host thousands of workers, look like cathedrals in the desert; only small
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Bluerating | October 2020 What is the value of a certificate attesting to a set of skills acquired during a training course, a certification or an award won as best financial advisor of one or several networks? The answer depends on the reliability of the
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Insurance Connect | October 2020 Italians are frequently mocked for their poor financial education. Admittedly, the data are unforgiving: 795 billion euros are currently deposited in non-interest-bearing accounts, less than one Italian out of ten has home insurance, and we could add hundreds of other
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Investire | September 2020 At the time of the lockdown, thousands of tricolor flags appeared on the balconies and roofs of Italian homes. Indeed, Italians are a notoriously resilient people and, in times of trouble, they join forces. Videos of the aerobatic demonstration team of
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We Wealth | September 2020 When it comes to raising awareness on the importance of self-protection, preservation and future thinking, the pandemic and the 100 days in lockdown have done more than decades of communication and marketing activity ever did. Let’s consider some data:
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Bluerating | September 2020 In the UK and USA, the independent financial advisor is a well-established professional figure. On the other hand, the job is still quite uncommon in Italy, where only 240 out of the over 55.000 financial advisors registered to the OFC (Single
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Advisor | September 2020 A document published on 18 June 2020 by Fondazione Nazionale dei Commercialisti was met by renewed fears of encroachment. The document’s declared aim is to identify new areas of work and to widen the range of skills available to accountants in
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bigger is better. Bluerating | August 2020 Currently, networks of financial advisors are living an extraordinary time thanks to three strong points inherent to their service model: 1) the proactive attitude adopted by financial professionals; 2) digitalization; 3) a strong ability to operate offsite. The
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WeWealth | July 2020 Recent antiracism protests in the United States, Great Britain and elsewhere saw the toppling of statues representing figures that may offend political, ethnic or religious sensibilities. Statues of Christopher Columbus – guilty, according to some interpretations, of having paved the way
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AP Advisor Private | July 2020 34% of them are active entrepreneurs; 22% owe their fortune to the family business, of which they own a share; 16% have sold their business, while the remaining 28% have made a fortune out of their career. On balance,
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There is a kind of finance which goes short on listed companies and that is commonly described as speculative; its motto is mors tua vita mea. There is, however, another kind of finance which invests in companies adopting a medium-long term sustainable strategy.
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Being a network manager is not easy, all the more so after three months in lockdown. A pivotal figure in the financial field, the network manager has yet again proven to be capable of excellent work.
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Advisor | July 2020 What is the impact of Covid–19 on the field of financial consultancy? What legacy will it leave? What are the challenges for the financial field and how are we to face them? What will remain of the Covid-19 emergency? We, as Italian people, love life – resilience, survivability and creativity are our biggest strengths. Lately, many industries have given proof
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How much do you love your mother? How much do you love your mummy? Same question, different answers, as shown by a study conducted on a sample of Italian people at the University of Milano-Bicocca.
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Back in 1999, we conducted the first Italian research on online trading for Credito Italiano. CONSOB had just released the first regulation implementing the Legislative Decree 58/1998 (the C...
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Bluerating | June 2020 Before the pandemic, banks and insurance companies would compete to see who could build the highest skyscraper or host thousands of employees. The richer the family, the higher the tower, just as in the Middle Ages. Suffice it to think of
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Advisor | June 2020 When we think of resilience, we often focus on images of epic heroes such as Maximus Decimus Meridius, the Roman general portrayed by Russell Crowe in Ridley Scott’s epic historical film Gladiator. What unites a fearless hero (Joan of Arc, for
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AP Advisor Private | May 2020 Until a few years ago, the market of private banking used to be an island of happiness in the middle of a relatively calm sea: investments with guaranteed returns and low risk; prudential objectives of clients focused on maintaining the value of their assets; strong
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A unique opportunity. Insurance Daily | May 2020 The issue of new vulnerabilities related to ESG themes has been on the agenda of all stakeholders since before the pandemic. We need only read the letter written in January 2020 by Larry Finch, Founder & CEO of BlackRock, the largest asset management company (7 million dollars): “We are on
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and private bankers in the time of coronavirus We Wealth | May 2020 How has the communication between HNWI clients and bankers changed in the time of lockdown? Let’s start with two emblematic cases, the product of ethnographic observations confirmed by the results of a
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SGR and distribution before and after the pandemic Investire | May 2020 Before the pandemic, it was a race between AMCs: the number of financial roadshows, the most evocative locations, the best buffets and the most original gadgets. For some time now, a feeling has
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guidelines for fas and financial networks Bluerating | May 2020 Financial advisors and financial networks have never been so close to their clients – their prompt response to the emergency is characteristic of an industry carrying in its DNA proactivity, empathy and sympathy with clients.
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Finer and Assogestioni Focus Risparmio | April 2020 Assogestioni, with the support of FINER, has promoted the monitoring of the sentiment of the professionals in the field of finance (financial advisors, private bankers and managers), with the aim of evaluating the repercussions of the lockdown
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Insurance Review | April 2020 There are at least three reasons why banks and insurance companies share a common destiny: 1) they deal with the same ‘raw material’, money management and protection; 2) they are enduring the maturity of the markets in which they operate
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Financial Consultants and Covid emergency Investire | April 2020 Financial advisors have responded to the health emergency that has been plaguing our country for weeks with an esprit de corps second only to that of the medical and public security staff. A well-known Latin proverb
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Emergency management Bluerating | April 2020 The networks of financial advisors and our banks have shown the ability to manage the emergency with clarity of mind and composure. Financial advisors reassured and supported their clients in dealing with issues linked to their investments, most certainly
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Smart-working and Covid-19 Advisor | April 2020 Before the coronavirus emergency, 2% of employees worked from home in Italy, compared to 20,2% in the UK, 16,6% in France, and 8,6% in Germany. Then, the pandemic broke out and in two weeks – the Ministry of
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