Let’s refresh Wealth management together!
Welcome to our refreshing approach to wealth management! Everything starts with a “Y”, the why that challenges the status quo and the attitude that drives you towards a purpose.
So why choose an independent wealth manager? Why work with us? And why are you on this website right now? Let’s find out together and discover the endless possibilities that come with a “Y” mindset.
Let’s refresh wealth management together!
Welcome to our refreshing approach to wealth management! Everything starts with a “Y”, the why that challenges the status quo and the attitude that drives you towards a purpose.
So why choose an independent wealth manager? Why work with us? And why are you on this website right now? Let’s find out together and discover the endless possibilities that come with a “Y” mindset.
combined experience
professionals
spoken
Our story
We are Nicole, Annie, and Yasmine – 3 empowered female Managing Partners from three different generations, united in our mission to refresh wealth management.
Together with our CIO, Pierre and with a combined total of over 90 years of industry experience we have seen it all.
From financial crises and market volatility to generational transfers, we have accompanied and support our clients at every step.
As a Swiss company with an international team, we pride ourselves on our core values and our commitment to accompanying families on their investment journey.
Let us use our expertise and experience to guide you towards financial success.
Because everything starts with a Y
Our values
Our Beliefs
- Your Family Office: While investments are at our core, family office is key; we are an exclusive group of families.
- Technology: We embrace innovative digital tools as a key enabler in our interactions.
- Compounding: As opposed to portfolio churning: this is how we outperform.
- Collaboration: With the best and brightest business partners rather than internalizing.
- Independence: We are paid only by our clients: we take no retrocession and we do not sell any funds or products to our wealth management clients.
Our 360 offer
- Family office: we are the conductor of the opera
- Resilient Portfolio Construction
- Preferred access to banking
- Access to private investments
- ESG and impact asset allocation
Our clients’ profile
AND INTERNATIONAL FAMILIES
Our investment process and philosophy
What sets us apart from others is our unparalleled expertise in both liquid and illiquid asset classes,
including Fixed Income, natural resources, extensive experience in equity markets, and our strong
focus on Private markets.
Thorough selection of asset managers
We have a deep network thanks to our long-term relationships in the wealth management industry
Macro-economic analysis: the economy determines long-term financial markets and global macroeconomic picture helps assessing investment decisions.
Top-down asset allocation: We build our portfolios based on the economic environment and allocation between major asset classes. For bonds, we consider government – corporate, investment grade – high yield allocations; For equities, we take into account country and sector allocations, as well as thematic opportunities.
Risk management is a cornerstone of our process. Assessing the current risk implied by financial markets (economic, political risks) is key. At a portfolio level, depending on the market context and the client’s sensitivity, risk mitigation, strategies can be implemented.
Finally, the instrument selection process: we select and mix between cheaper passive vehicles (index funds and ETFs) and active managers to potentially add extra alpha (return) by outperforming markets. For bonds, we adopt a buy-and-hold strategy via single lines but funds as well for the thematic plays.
Your Team
- 46y
- 26y
- Swiss
- French, English, German, Spanish, Italian
Wealth
Management
- 25 years of experience in wealth management (Lombard Odier, and then CEO of the Swiss Branch of a large independent wealth manager)
- President of the Alliance of Independent Swiss Wealth Managers, she also sits on various boards like Swiss Athletics, Kofi Annan Foundation
- Nicole holds a BA in Political Science of Université de Lausanne and an MBA from ESADE (Spain)
Passionate about: African art & culture
- 51y
- 30y
- Swiss
- French, English, Levantine Arabic
Specialist
- Before founding her own firm specializing in fixed income in 2009, she was Deputy Head of the Fixed Income Division in Asset Management at HSBC Private Bank (Switzerland)
- Prior to HSBC Annie was a buy-side equity analyst (Consumers) at Banque Jacob Safra in Geneva & various private banks in Geneva
-
Annie holds a BS in Quantitative Analysis from the University of Geneva
Passionate about: Literature and classical music
- 38y
- 15y
- Swiss
- French, English, Arabic, Spanish
Portfolio Management
& UHNW Client Servicing
- Worked for an Independent Asset Manager in Geneva for 11 years as head of the Portfolio management team
- Prior to that, Yasmine worked at ACM a currency trading company for 4 years as responsible for operations
- Yasmine holds an MBA as well as 2 bachelor’s degrees in Finance & Marketing/communication from the Institute of Finance and Management in Geneva
Passionate about: Origami
- 47y
- 25y
- French
-
French, English,
German
Class
- Pierre holds a Master in management from ESCP in France, « Diplom Kaufmann » in Germany, he is a CFA charter holder
- He started his career as a multi-asset portfolio manager at Crédit Suisse in Luxembourg
- He later joined Deutsche Bank Investments in Frankfurt, as a fund manager and became head of the natural resources sector (for more than 10 year) for retail products
- More recently he worked as CIO for 2 independent asset manager.
Passionate about: Never without his electric scooter
- 56y
- 30y
- French, Swiss
- French, English, Russian, Italian
Servicing
- For the past 10 years, Anna has been the Director of a multi-family office in Geneva which she helped to develop, catering to Ultra High Net Worth clients, mainly from Eastern Europe.
- Worked at various well-known private banks such as HSBC Private Bank, Julius Bank & Bank of New York as a relationship manager.
- Anna holds a Master degree from the University of Geneva in Russian literature and civilisation.
Passionate about: Eastern European culture
- 25y
- 5y
- French
-
French,
English
Management
- Worked at Deloitte Consulting in Customer Strategy and Applied Design
- Prior to that Lucas worked at KPMG and for an Independent Asset Manager in Geneva for 2 years as Junior Investment Analyst
- Lucas holds a Bachelor from the Haute Ecole de Gestion in Geneva
Passionate about: F1 racing
Our partners
IT
solutions
Qualitative and Quantitative assessments
Swiss-based
custodian banks
