Our Service Process
We at Bernina Private Wealth AG believe that the most crucial factors for successful advice consist of the right need analysis and the appropriate service process. It is, therefore, of utmost importance we stay current on all intelligence that may have an influence on the financial situation of our clients.
Need Analysis
Understand our client’s personal and professional background
Understand our client’s financial needs (short- to mid- and long-term
Solution Engeneering
Family Office Services
Portfolio Management
Wealth Management
Implementation
Proceed with solution Implementation
Maintenance
Regular controlling and reporting of the implemented solutions
Family Office Services
To appropriately address all relevant aspects of a client relationship, we enlist the expertise of partners in various fields. We therefore offer our clients family office services once a certain degree of complexity and size of wealth has been reached (can be requested individually or as package). These services are available starting from USD 10m in client assets.
Tailor-made Investment Committee
The primary role of an investment committee is to help the client in managing its wealth in a strategic way and according to its risk profile in order to reach client’s long term objectives.
Reporting, controlling and investment committee meetings will be defined together with the client.
Tailor-made consolidation and reporting
Our modern consolidation system (Masttro AG) allows us to create tailor-made reporting including real estate, art collections, and other tangible assets.
We are in a position to provide very detailed performance analyses, to monitor cost structure, and prepare all data transparently.
Booking Platforms
Bernina Private Wealth AG offers access to different booking platforms in four jurisdictions through one single point of contact. We currently have access to booking platforms in Switzerland, The United States, and Spain.
Bernina Private Wealth AG offers its assistance in the analysis or search of a custodian bank that best suits the specific client’s needs and offers support in the negotiation of the banking fees.
Concierge Services
Bernina Private Wealth AG is pleased to assist its clients in the reservation of flights and hotels as well as organizing tickets for exclusive events (e.g. sport events, concerts). For this purpose, we cooperate with a travel agency that is specialized in Business and Luxury Travelling.
Investment Philosophy
Bernina Private Wealth AG focuses on investing in high-quality companies that are among the market leaders in their industries, possess sound balance sheets, and have a forward-looking management.
We have a long-term investment horizon and invest only in companies or markets that are undervalued or feature significant growth potential over the long run. We make all our investments in regions that are regulated and liquid (i.e. the G 7 countries in principle).
When it makes sense for a client, we invest in top-rated emerging market dept issuers (primarily in Latin America), consult technical analysis, and make use of specific investment structures.
Portfolio Management
Investment Strategy
Strategic Asset Allocation (SAA)
Definition of risk capacity
Definition of risk tolerance
Definition of investment horizon
Investment Tactics
Tactical Asset Allocation (TAA)
Monthly meeting rhythm (or ad hoc in case of extraordinary events)
Analysis of market expectations
Analysis of investment opportunities
Definition and adjustments of investment ranges
Implementation
Portfolio structuring and selection of securities
Investment Style
Diversification
Monitoring
Risik Management
Reporting
Performance Evaluation
Wealth Accumulation
Regular checks of holdings and compliance with the investment guidelines
Investment Performance
Wealth Management
Succession Planning
Bernina Private Wealth AG is pleased to elaborate for its clients a succession plan for their private and business wealth, together with our external partners. We accompany our clients in the creation and implementation of their ideas.
Wealth Structuring
The target is to preserve wealth in the long run and to satisfy the different requirements of the current and next generations. Based on the succession planning and the factors of the legal and fiscal environment, individual solutions can be achieved and structures can be established to safeguard the interest of the family.
Family Governance
In families with different sources of wealth (financial and operational business), a clear strategy is needed to keep on track of all assets, whether steered in the future by the family (operational business) or by non-family executives. The role of the various family members in the business and in the family wealth have to be defined and aligned in order to provide a smooth transition and ongoing operations and management. Bernina Private Wealth AG helps to set the cornerstones and coordinates with the local advisors of the client on the implementation. Financial assets are often the key element to balance diverging interests of the family members of the next generations.
Philanthropy
Often, families wish to engage in charitable activities. This can be independent from any other wealth decision or being an integrated part of the family governance, allowing the younger generation to gain financial experience by searching and assessing adequate charity projects and then to control and ensure that the resources are used efficiently.
Research
Research at Bernina Private Wealth AG
Bernina Private Wealth AG offers you in-house research views, providing accurate, up-to-the-minute information, and investment solutions.
Research focus areas
Macroeconomics, covering developed markets and emerging markets
Currencies, covering developed markets (G10) and emerging markets
Fixed Income
Equity Markets
Commodities
Technical Analysis
Investment Strategy
Developing innovative strategies
Our CIO shares his findings within the investment committee. Based on his input Bernina Private Wealth AG will develop tailor-made strategies and solutions for our clients to achieve our common goals.
Bernina Private Wealth AG research publications
Research reports are presented via email or via our online solution.
Fees
Individual
Our fee depends on the assets under management, the investment profile and specific client requirements, and is therefore determined on an individual basis.
Transparent
Our pricing is transparent, competitive, and fair.
Direct
Fees are charged quarterly directly to your account or, if required, invoiced.
Attractive
Thanks to our long-standing relationships with banks, we are able to offer you attractive preferential conditions.