HIGH PERFORMANCE A CLEAR OBJECTIVE

Transcription

1 HIGH PERFORMANCE A CLEAR OBJECTIVE

2

3 4 OUR MISSION Personalised advisory approach Our Model 5 WEALTH MANAGEMENT Active management Robust investment process Tailored management solutions Socially responsible investment Clear and transparent pricing 12 FINANCIAL PLANNING Wealth planning and structuring Individual retirement savings Monitoring and reporting Tax optimisation State planning Services for entrepreneurs and executives 18 SINGLE AND MULTI-FAMILY OFFICES Family governance Financial planning Consolidated reporting Operational management Philanthropy

4 4 Our mission We offer wealth management and financial advisory services that add genuine value, as we endeavor to deliver an exceptional client experience. Whether you are an individual, family, entrepreneur, manager or doctor every situation is unique, and that is why Telomere Capital offers an approach that is simultaneously comprehensive and tailored to you. We provide asset management, investment advice and financial planning to assist you in the management of your day-to-day financial affairs so you can concentrate on you, your family and your business. Private organisations and individuals Our active management approach and personalised investment strategies free you from dealing with the mundanities. Entrepreneurs, executives and doctors Prepare for your future with our wealth structuring, succession, retirement and planning solutions. Single and multi-family offices Consolidate the management of your family s financial affairs with our support on governance, planning and operational management. Do you aspire to more than just standardised management? At Telomere Capital, we focus exclusively on the things that add value for you.

5 PERSONALISED ADVISORY APPROACH Mapping your situation to create a customised solution Starting with an objective analysis of your personal needs is essential if we are to build a solution that suits you. We consider your personal, family and professional situations, present and future needs, risk tolerance and time horizon before defining your profile together, so that we can draw up the most appropriate investment strategy. We also incorporate into our investment proposal the parameters and protections necessary to meet your specific objectives. To ensure the success of all the options chosen, we also monitor with rigour and discipline all the elements that make up your solution. That way, we can adapt it as your own circumstances and the markets evolve. Taking the time to prepare each stage of life Reciprocal trust is the basis of any lasting, solid relationship. That is why at Telomere Capital we make it a point of honour to serve only a limited number of clients, so that we can devote the necessary time to developing genuinely tailored solutions. Because you are unique and want to receive personalised advice, we commit ourselves to supporting you, ensuring that the organisation of your assets adapts to each stage of your life and that you can follow your own path with peace of mind. Ethics and excellence are what underpin our profession, and it is when these come together than trust is born

6 6 Our model THE CLIENT The client opens an account with the custodian bank and assigns a power of attorney for asset management to his or her independent asset manager. This under no circumstances authorises the asset manager to withdraw funds or securities from its clients holdings. TELOMERE CAPITAL The independent asset manager is responsible for managing the client s accounts. It works with the client to determine the risk that he or she is willing and able to enter into and the investment policy to be applied to his or her assets. The asset manager is answerable for the results of the investments made and must report to the client on their performance. THE BANK The bank is responsible for administering the accounts held by the independent asset manager s clients. In particular, it takes care of securities custody, transaction settlement, collection of income and dividends, corporate actions, transfers and withdrawals of cash and securities, reporting, retention of account-opening documents, and electronic account access. The client may contact the bank directly at any time to obtain information or issue instructions.

7 CLIENT Investor profile Client assets custody Power of Attourney Reporting Discretionary or advisory Management Mandate BANKS Verification of the beneficial owner Account opening procedure Operation management TELOMERE Capital Our model enables you to reap the benefits of flexible, customised solutions. By providing you with a single point of contact, we optimise the entire value chain so as to live up to the very highest expectations

8 HUMAN APPROACH

9 WEALTH MANAGEMENT Looking to protect and grow your assets? Telomere Capital s expert advice will help you achieve both goals through comprehensive understanding of your situation. Understanding who you are in order to better serve you While experience and expertise play a key role in wealth management, these elements only make sense when they are based on an understanding of your wealth, your situation and your needs in their entirety. We listen to you and focus on your priorities by carefully aligning our solutions with your own specific interests in the short, medium and long term. We operate as an independent partner, meaning that when you work with Telomere Capital, you enjoy a tailored service and complete freedom in your investment choices. How we add value A personalised advisory approach A stable, enduring relationship Active management A robust investment process Tailored management solutions Socially responsible investment Clear and transparent pricing Understanding who you are, assessing your immediate needs and examining your long-term goals underpins all our management solutions. ACTIVE MANAGEMENT Are you looking for drivers of performance? In opting for active management, Telomere Capital seeks out the best investment opportunities for you across different sectors and regions, while performing continuous risk monitoring. Mastering investment actions to generate performance To be able to seize the best opportunities, an investment manager needs to follow a flexible asset allocation, enabling him or her to operate highly reactively in the markets. Telomere Capital firmly believes in the potential of active management and favours this mode of action, while attaching equal importance to managing the associated risks. Risk management lies at the heart of our investment philosophy and plays a pivotal role in all our investment decisions. You benefit in two ways: this rigorous, common-sense approach seeks first to maximise protection of your capital, while also generating returns.

10 10 ROBUST INVESTMENT PROCESS Do you prefer to make decisions based on facts? So does Telomere Capital. That is why, in developing our strategies, we apply a rigorous process combining fundamental analysis with the research by top global experts. Getting the measure of trends to make informed investments Given that 80% of a portfolio s performance derives from its asset allocation, modelling macroeconomic scenarios is critical to developing investment strategies. We act with independence in our advisory services, which allows us to select the best investment opportunities. We do not propose in-house products and are not a product distributor. In addition to this fundamental and statistical basis, we also draw on the research of more than 400 financial analysts worldwide to firm up our convictions and to independently identify the best investment opportunities. The third and final stage in our process is to open our ideas up to challenge at weekly investment committee meetings, so as to validate our strategic and tactical positions and then implement them in the portfolios. TAILORED MANAGEMENT SOLUTIONS Do you favour discretionary management or investment advice? Whatever your choice, Telomere Capital will offer you the full flexibility needed to implement the solution that best suits your profile, adapting it to your specific requirements as necessary. Tailored support to guide your investment management Whether to delegate management of your assets or keep control over your investment decisions is a choice that involves questions of both time and skill. After all, managing a portfolio requires constant attention. In a hyper-connected world where change has become the norm and information is a never-ending flood, every decision must be made in full knowledge of the facts. This state of permanent flux can also contain many opportunities, which is where active management comes into its own. Our personalised support and tailored solutions will allow you to benefit fully, by taking advantage of our recommendations or allocation proposals.

11 SOCIALLY RESPONSIBLE INVESTMENT Do you favour sustainable growth in your investment selection? If so, our responsible investment management mandates offer a solution tailored to your concerns. Choose sustainable growth to invest sustainably Socially responsible investment, which is integrated into our overall approach to management, is in line with sustainable practice in finance. We offer mandates exclusively invested in companies that are leading examples of environmental, social or corporate responsibility. Industries that do not meet strict sustainability criteria are therefore excluded from our portfolio, as are sectors presenting governance risks. In this context, responsible investing offers increased protection for your assets while generating opportunities for regular returns. CLEAR AND TRANSPARENT PRICING Do you like clarity? Telomere Capital ensures clarity by presenting at the first meeting all the elements included in its pricing, i.e. management fees, commission and charges. We work in complete transparency with you and our partners. Transparency increases trust Our fee policy is simple and transparent. By charging a fixed management fee on your deposited assets, Telomere Capital guarantees total transparency on its management fees, commission and retrocession policy. This promotes better cost control for both you and for us, since no additional charges are levied for brokerage or custody. Thanks to this flat-rate model, you can benefit from our fully advice without encountering any conflicts of interest.

12 12 FINANCIAL PLANNING Are you looking to organise and structure your wealth efficiently, in order to grow it and prepare to pass it on? Telomere Capital s specialist advisory services offer you much more than just that. They will enable you to embark every step of your life with the right financial conditions in place. Analysing all aspects of your wealth to optimise its organisation The definition of wealth goes far beyond what is covered by simple wealth management. In addition to transferable securities you may hold, your wealth may also consist of real estate, corporate or family inheritances, business and pension assets or other high-value items (works of art, boats, companies, etc.). In order to optimise the organisation of these elements, we structure the way they interact not only to make your tax position efficient, but above all to provide peace of mind as you embark on major milestones in your life, be that marriage, separation, birth, retirement or estate planning. For entrepreneurs who wish to do so, we can also support your major strategic decisions such as selling, passing on or expanding your company, so that your actions do not impact your private assets, but rather serve them in the long term. How we add value Comprehensive wealth planning and structuring Individual retirement planning Monitoring and consolidated reporting Tax optimisation solutions Estate planning advice As an independent advisory partner, we put your interests right at the heart of our priorities. Our skills and service quality form the basis of our success.

13 Have you already planned your financial future? Whether your answer is yes or no, Telomere Capital can help you to optimise your existing wealth structuring as well as to implement comprehensive financial planning. Building strong foundations to invest effectively It is essential that your assets are properly structured before you undertake any form of investment management. If you want to protect your assets and your loved ones, you need to prepare a detailed plan that will consider your personal and professional situation as a whole while taking into account your objectives and wishes. This discussion will give rise to a precise plan clarifying your present and future financial situation by segmenting it by period: working life, retirement and succession. At all times, you will have a transparent, comprehensible overview of your income and expenses, your retirement solutions and changes in your asset base. Are you ready to retire? With strong expertise in individual retirement savings, Telomere Capital will advise you on the best solutions to put in place so that you can enjoy this period of life without having to change your lifestyle. Planning your retirement to enjoy it to the fullest Each stage in life comes with its own needs. This requires decisions important ones in some cases to be taken well in advance. To put in place the elements for your retirement with the aim of minimising the impact on your lifestyle, you need to be able to count on a reliable partner with detailed knowledge of the intricacies of retirement savings, including matters relating to your state pension, your private or occupational pension and your mortgage. Do not wait until you are 55 to start exploring the different possibilities available to safeguard a sustainable income and your wealth. Our experts can guide you right now on the best way to approach this delicate transition. Each stage of life brings with it specific needs in terms of financial advice,with important decisions to be made. Whether you are seeking to prepare for retirement or to maintain your lifestyle, the choices you make will have a big impact

14 14 TAX OPTIMISATION Do you expect your partner to deliver tax-efficient management? Because we know that the way your asset base is structured can have major consequences for its taxation, we take special care to optimise its organisation to afford better protection. Understanding the tax system supports the management of your tax position The huge tax and regulatory developments that the financial world has undergone in recent years have made gaining a command of taxation, particularly transnational issues, extremely complex. In this area, organising your assets in a coherent manner to make its management tax-efficient requires advice from experts and professionals. Developing a tax and financial plan adapted to your situation can significantly reduce your tax burden in the short, medium and long term. By enlisting the best experts when the situation demands it, Telomere Capital can support you in this optimisation process, the culmination of successful planning ESTATE PLANNING Who are you going to bequeath your assets to? This sensitive question can be resolved with advice from experts, who will treat you with the utmost sensitivity and share their input in order to find solutions that perfectly reflect your deepest wishes. Preparing and preserving your assets for their future owners Organising the passing on of one s assets or of one s business is never easy, since it touches at our emotional core. Analysing your situation in detail enables us to organise your assets so as to optimise the contributions that you ultimately pay. Whatever your intentions to leave your mark, to protect your loved ones against hardship, to hand on part of yourself and your history as a legacy it is advisable to start thinking about succession early enough to avoid your estate from breaking up in the medium term. To support you on this more technical aspect, Telomere Capital and its network of experts will guide you towards establishing a succession plan today, tailored to protect your family and your wealth.

15 MONITORING AND REPORTING Is keeping track of your assets, anywhere anytime, essential to you? To meet this need, Telomere Capital offers efficient, secure online access, enabling you to monitor your wealth in real time. Know your situation to guide your decisions In this age of hypermobility, monitoring the performance of your assets from any location and in any time zone, has become a necessity, whether you frequently travel on business or not. This service is an integral part of Telomere Capital s services: we offer you the possibility to regularly monitor your financial, tax and administrative position via our secure platform. In addition, we provide consolidated reports that give you an overview of your assets both movable and real estate and any-time checks on the performance of your investments. For senior executives, we can also put in place solutions to optimise share option plans, so as to facilitate the protection of capital acquired but not yet available.

16 16 SERVICES FOR ENTREPRENEURS AND EXECUTIVES Are you an entrepreneur or executive looking for a financial partner capable of understanding your problems in their entirety? Then Telomere Capital, which was founded in the spirit of pure entrepreneurialism, is right for you. Because we have to deal with the same problems as you, our company is very well placed to meet your needs. Find simple answers to complex problems Being at the head of a company or holding a strategic position of high responsibility takes time and energy. A position of this kind very often comes hand-in-hand with a complex asset base, aspects of which can be transnational in nature. As entrepreneurs ourselves, we understand your fundamental needs, because just like you, we experience the same challenges daily. To allow you to concentrate on developing and running your company, we offer a whole range of services exclusively dedicated to your specific profile. Our many years of experience in managing complex situations like yours, combining the personal, professional and commercial aspects of an asset base, have enabled us to develop a detailed understanding of your needs and constraints. To meet these requirements, in a context that requires both financial expertise and international experience, Telomere offers tailored planning and management solutions, drawing on the skills of various experts when the situation requires it. How we add value Comprehensive wealth planning and structuring Individual retirement planning Monitoring and consolidated reporting Tax optimisation solutions Estate planning advice

17 A DYNAMIC ATTITUDE

18 18 SINGLE AND MULTI-FAMILY OFFICES Are you in charge of a large family asset base? If so, the combination of skills at Telomere Capital can be invaluable in managing certain aspects of its administration, from both an operational and human perspective. Preserving family harmony and safeguarding your assets are the two main tasks pursued by a single-family or multi-family office If you entrust us with their management, we will undertake, on behalf of you and your family and on a coordinated basis, many tasks ranging from wealth management to succession arrangements, monitoring of bank accounts, cash management, optimisation of legal and tax matters, property management and philanthropy consulting. By providing families with a network of resources, bringing together the expertise of multiple experts in a variety of fields, you can benefit from a stable organisation dedicated exclusively to the needs of your family and your plans. How we add value Support for family governance Financial planning for family assets Consolidated reporting Support for operational management Advice on philanthropy

19 FAMILY GOVERNANCE Do you believe it is fundamentally important to encourage younger generations to participate in perpetuating the family s wealth? The human dimension of this objective should not be underestimated, since it requires a clear organisation and strategy to be put in place. Telomere Capital can help you erect these two pillars, strengthening the foundations of what you are building. Uniting and unifying to protect the interests of your family Raising awareness among the younger generation of family affairs, uniting the forces of the family around common objectives, bringing together its various members around the vision of a founder so many elements must be taken into consideration if we want to ensure that an asset base built over several generations endures while ensuring strong cohesion within the family. Family governance plays a fundamental role within this. It is the cornerstone on which an effective family office is built. Telomere Capital will support you in this mission by defining with you a global organisational structure and strategy, whose ultimate goal will be to ensure the long-term transmission of this wealth to future generations. Good family governance ensures that the right people discuss the right questions at the right time and place. FINANCIAL PLANNING What is your family s wealth made up of? In order to fully understand and take advantage of this, Telomere Capital will first of all analyse its constituent parts with a view to organising and structuring them to suit your needs and plans. Consolidate your assets to better meet your family s needs No two families are alike, but understanding what distinguishes one from another requires unusually attentive listening. The ability to give good advice derives from such moments of privileged exchange, through which the outlines of an asset base in its entirety emerge. Whether your needs are simple or complex, we at Telomere Capital strive to implement financial planning tailored to your family assets. The objective is to cover both your needs and those of your family members by putting in place personalised solutions that reflect your tax, structuring, budget planning and asset reconciliation issues.

20 20 CONSOLIDATED REPORTING Would you like to get information about your financial situation at any time? Telomere Capital enables you to quickly assess your situation, through your reporting or in consultation with your advisor, to help you make quick, well-reasoned decisions. Consult your expert and the data for better guidance. Being able to look at all the elements of your asset base at a glance means you can quickly identify your available liquidity, as well as detecting imbalances or risks that an action could create. To make it easier for you, and above all to save you precious time, we consolidate all the data on your family assets into a comprehensive, detailed report. Consulting this will give you all the keys to deriving the right investment impulses at the right time, without affecting the organisation of your assets as whole. You also benefit from a single point of contact for all your financial questions: your advisor. They will act as an additional source of support, whom you use as a sounding board to firm up your decisions.

21 OPERATIONAL MANAGEMENT Is your time precious to you? By delegating the operational and administrative management of your investment affairs to Telomere Capital, you will enjoy a high-quality service that will relieve you of many mundane and constricting tasks. Delegate your administration to save time Being able to concentrate on the priorities is essential when you are at the head of a large family fortune. Telomere Capital, acting through its middle office, can take charge of all the administrative and operational tasks related to your financial management, enabling you to save time for your family and your business. From the simple payment of invoices to the most complex transactions, we take the day-to-day administration off your shoulders, also providing you with a single point of contact for all matters relating to your administration or transactions. A philanthropic commitment is a complex process requiring specific skills, and we would be pleased to advise you on how to make your aspirations a reality. PHILANTHROPY Do you wish to support a cause that is dear to you? Are you looking to give back to society a part of what it has allowed you to build? Telomere Capital can help you to realise your philanthropic plans by reflecting with you on the most appropriate way to make an impact Flesh out your plans to deliver genuinely useful assistance Giving is a noble act, and also one with an intimately personal dimension. But for this action to make an impact, it is important to organise and formalise the project, whether it consists of a simple gift or the establishment of a structure such as a foundation to perpetuate philanthropic giving. Just as we are at your side to help you manage your assets on a day-to-day basis, we are also there to find solutions to meet some of your other wishes. This naturally includes philanthropy; Telomere Capital puts at your disposal all the expertise necessary to ensure your philanthropic vision brings about tangible results.

22

23

24 Route des Acacias, Carouge, Genève (+41)