Cash flow is the foundation on which financial planning is based.

A cash flow management plan can allow for discretionary spending, while helping clients manage upfront expenses and still save for their long-term goals.

Your Financial Formula

One of the goals of a sound financial strategy is to find the appropriate mix of investments. At the bottom of our illustration are cash alternatives, which have low risk but also offer the lowest potential return. As you move higher up the illustration, each section represents the opportunity for higher potential return, but also carries higher risk.


The reason why cash alternatives are at the foundation of a well-balanced portfolio is that cash alternatives allow you to meet short-term and unpredictable expenses. Having cash and cash alternatives also may allow you to manage other investments — rather than selling at what could be an inopportune time.

Keep in mind that allocating your assets among different investments is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline.

Where to Put the Money

For that portion of a portfolio that must be liquid, most investors consider one or more of four places. Each has drawbacks and advantages.

A plan for creating wealth may cover:

  • Regular Savings

    Little can be achieved financially, without establishing a regular, disciplined savings pattern. We will help you find the disposable income you never knew you had, and put it to good use.

  • Investment

    True wealth is built from wise investment. We customise each investment portfolio to suit your personal circumstances, risk tolerance and time frame.

  • Clearing Debt

    Not all debt is your enemy, but having a clear strategy to manage and eliminate debt over time is essential.

Corporate

Ofrecemos soluciones e ideas creativas para el futuro del negocio y en momentos críticos que requieren una rápida toma de decisiones.


Ayudamos a planificar las decisiones financieras en la empresa, que se concretan en servicios de fusiones, adquisiciones, reestructuración financiera, planes de viabilidad, informes de valoración, due dillingence, búsqueda de inversores, etc.

  • Realizamos un estudio inicial de las operaciones para dotarlas de viabilidad desde la máxima confidencialidad, mediante perfiles ciegos y cuadernos de venta.
  • Definimos propuestas individualizadas con un enfoque multidisciplinar que incluye asesoramiento financiero, mercantil y fiscal para lograr un adecuado diseño de la operación.
  • El éxito de la operación depende en gran medida de su configuración, las valoraciones y negociaciones.  Por ello, nuestra experiencia  en distintos tipos de operaciones es un valor diferencial.