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.

¿Qué es un Compliance penal?

¿Qué es un Compliance penal?

Un PROGRAMA DE PREVENCIÓN PENAL  es el sistema de medidas organizativas diseñado por juristas con el que se puede (debe) dotar toda empresa con un objetivo  doble: por un lado, impedir o dificultar la comisión de delitos; y por otro, que encaso de que se cometa algún delito pueda la empresa quedar libre de responsabilidad penal.

ü  Un buen programa deprevención penal comienza con el análisisdel sistema productivo, organizativo y decisorio de la empresa, continua con eldiseño del mapa de riesgos penales yla elaboración de un manual de prevenciónpenal, y culmina con su efectiva implantaciónen la empresa, la formación del personal, y el seguimiento y adaptación continuado.

Las empresas que cuenten con un PROGRAMA DE PREVENCIÓN PENAL no solo obtienen una sustancial reducción del riesgo de que se cometan delitos sino que además podrán quedar exoneradas de responsabilidad en el caso de que por cualquier circunstancia, voluntaria o no, se cometiera alguno.