Methodology
How we accompany you
Our intervention is regulated by the AMF (Autorité des Marchés Financiers).
We respect an internal code of conduct which is stricter than basic regulation. We strice to associate you at each step in order to make you become an entrepreneur of your wealth!
Audit
The audit allows to take a “picture” of your situation at a specific moment. We collect all your personal, financial and tax information.
We also like to overflow from the frame in order to apprehend your life projects & objectives.
The idea is to draw together another “picture”: the one you wish to achieve in 5, 10 or 20 years.
At the end of this first step, a mission letter that defines the scope will be signed.
Proposal
Once both “pictures” have been taken, OptiFi’s role is to guide you on the optimal path to achieve your goals.
For this, we give you personalized recommendations in a second interview. A summary document is then handed.
Our proposal takes into consideration your needs and complies with regulatory standards along with our code of conduct.
Implementation
Before deploying the identified solutions, OptiFi hands you a mission report for each investment. This regulatory document details our recommendation by explaining the purpose, the pros and cons as well as our associated remuneration.
We try to pre-fill all the documents so that the administrative burden is as gentle as possible.
Finally, if we have to rely on external providers such as lawyers, notaries, accountants, etc. we are happy to collaborate with your existing relationships or connect you with our network if needed.
Monitoring
Throughout its mission, OptiFi will monitor the implemented solutions.
This follow-up will make it possible to ensure the adequacy of your investments with your personal situation… and to adapt if necessary.
OptiFi will also inform you of any relevant legal developments. We strive to accompany you in the long term!
Our remuneration
Fees
Our consulting and brokerage services give rise to an invoicing of fees.
We issue recommendations that you are free to implement on your own or through us.
In order to ensure quality services, a fixed amount of fees will be invoiced, taking into account the scope and complexity of the analysis mission.
Financial advice
Consulting fees are mentioned in the engagement letter which is signed upstream of any study. These fees are deducted from any entry fees, if you decide to implement our recommendations via OptiFi.
Credit
Brokerage fees are mentioned in the financing search mandate which is signed upstream of any filing in the bank. These fees will only be due in the event of the release of funds, that is to say in the event of success!
Retrocessions
Our banking and financial partners (managers, insurers, etc.) can retrocede part of their own remuneration (entry fees, management fees, fees) to us.
Financial advice
The retrocession of the entry fees is the counterpart of the time devoted to the selection of the partner. Moreover, we pool our requests to negotiate preferential conditions (reduced fees, lowered access thresholds, etc.). The retrocession of the management fees of the contract aims to guarantee our monitoring of the portfolio.
Credit
During a credit brokerage mission, we may receive a business contribution commission from the financial institution.
This aims to remunerate the preparation of the file which will save time for the various bank advisers.
The details of our remuneration can be obtained at any time on simple request.
Contact us
Would you like to speak to one of our financial advisers over the phone or E-mail?
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Note: your personal information is strictly confidential, we keep them in accordance with regulation data policy.
