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Wealth Management

Let’s refresh Wealth management together!

Y like Yield , yes , you , why

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!

like yield , yes , you , why

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.

years of
combined experience
0
investment
professionals
0 +
CHF
̴ 1 bn
languages
spoken
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Our story

We, empowered female Managing Partners from different generations, united in our mission to refresh wealth management.

Together with our CIO, Mikaël 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

one
Authentic
our integrity and independence are our greatest asset
tree
Humble
We are proud of our unique team strength and value the power of our collective efforts
two
Multicultural and Multigenerational
it is crucial for us to mirror our clients
four
Agile
Providing access to innovative investment opportunities in an everchanging landscape

Our Beliefs

Our 360 offer

Our clients’ profile

1
ENTREPRENEURS ​
2
SECOND GENERATION
3
Athletes
3
FOCUS ON SWITZERLAND BASED
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

Nicole Curti

Managing Partner 

Wealth
Management

Passionate about: African art & culture

Yasmine Bouzourene

Managing Partner 

Portfolio Management
& UHNW Client Servicing

Passionate about: Origami

Mikaël Safrana

Chief Investment Officer

Multi Asset
Class

Passionate about: Any sport that slides or glides

Kristian Bader

Board member

Board

Passionate about: White sneakers

Annie Raccah

Senior Advisor on Fixed Income

Fixed Income
Specialist

Passionate about: Literature and classical music

Aryé Zafrany

Portfolio Manager

Portfolio
Management 

Passionate about: Vintage cars but rides an electric bike

David Alexander

Client Advisor

Portfolio
Manager

Passionate about: Science and history

Aline Braff

Executive Assistant and Office Manager

Office Management and Compliance

Passionate about: Very sporty but passionate about Sunday afternoon naps.

Our partners

IT
solutions

Qualitative and Quantitative assessments

Swiss-based
custodian banks