For the business
Liquidity
investment.
Corporate liquidity should neither sit idle nor be exposed to inappropriate risks. I put it to work efficiently, with horizons and risk profiles calibrated to the company’s real cash needs — in full independence from the custodian banks.
In many companies, cash sleeps: balances well beyond operating needs, sitting for years in accounts that earn little, concentrated at a single bank. Not by choice, but because no one has ever separated what next month requires from what can be put to work with a longer view. That is the first distinction I draw: reading the company's cash flows and giving every euro a horizon — short, medium or long — with the rules to keep it.
I work as an independent financial adviser, CFP® certified: no mandate and no incentives from the custodian banks. I analyse the proposals the company receives, compare them against the whole market and measure the counterparty risk of every institution and issuer — because even idle money carries risk, often unseen. Then I recommend, in writing. The decision stays with the company, execution with its bank: the cash never passes through my hands.
In a family business, corporate cash and the family's wealth touch constantly: dividends to distribute or retain, shareholder loans, reserves set aside for an investment or a generational step. When deployment choices cross that line, I bring in the professionals of the network and the picture comes together under the direction of the Family Office, so that company and family remain one coherent whole. The funds, meanwhile, do not move: they stay in the company's name, at its own banks.
What stays out — by choice
- Custody of the cash. I have no access to the company's accounts: funds remain in the company's name, at its own banks.
- The role of a bank or asset manager. I take no deposits and manage no money: I analyse, recommend and monitor. The company decides; its bank executes.
- Selling treasury products. Nothing to place, no retrocessions: an instrument enters the plan only if it stands up to the analysis.
Cash that no longer sleeps — and takes no improper risks: every deployment answers a dated need, not a sales pitch.
Counterparty risk, measured : liquidity spread across several institutions and issuers, with limits set in advance.
Documented decisions : every deployment carries a written rationale that board and accountant can verify.
What it includes
Treasury put to work on the company's real timetable: what tomorrow needs stays liquid, what can wait works under written rules.
Cash-flow analysis
I read the company's inflows and outflows to separate working cash from reserves, giving each portion its own deployment horizon.
Risk profile
Rules set down before any deployment: how much risk corporate cash may take, in which instruments, with what limits per issuer.
Dedicated instruments
I compare deployment solutions from the whole market, not just the custodian bank's shelf: on equal safety, the more efficient one.
Banking diversification
Cash concentrated at a single bank is a counterparty risk: I spread it across several institutions and issuers, within clear limits.
Tax efficiency
Every deployment has tax consequences for the company: I weigh them beforehand with your accountant — the net result is what counts.
Continuous monitoring
I review positions at a set rhythm: maturities, counterparties and terms stay aligned with the cash needs of a business that changes.
How I
work alongside you
Diagnosis
I read the balance sheet, cash flows and balances: how much cash operations need, how much can be deployed, and over what horizon.
Strategy
A written deployment plan: horizons, counterparty limits and instruments selected independently of the custodian banks.
Execution
The recommendation is put to work: the company decides, its bank executes. I join the dialogue with the institutions when needed.
Continuity
Scheduled reviews: the plan follows the company's actual cash flows and adjusts when the business changes pace.
Let’s talk about
your wealth.
A first confidential meeting, with no obligation, to understand where to start.
Request a meeting