Private consultation
A conversation about what changed, what is unclear, and what decisions are time-sensitive.
How we work
A private advisory process with no surprise pitch at the end.
We start by understanding the facts, then define scope, fees, implementation, and ongoing responsibilities before an advisory relationship begins.
The process
Four steps, one organized picture.
The process is designed to create clarity before complexity. You should know what is being reviewed, what will be delivered, how the firm is compensated, and what ongoing advice will look like.
Financial inventory
Accounts, income, liabilities, insurance, estate documents, taxes, business interests, and family objectives.
Written strategy
A planning and investment framework that identifies priorities, tradeoffs, and implementation steps.
Ongoing review
Portfolio management, planning updates, coordination, and decision support as circumstances change.
What you should expect
A serious advisory relationship should be easy to understand.
Clear does not mean simplistic. It means you can describe the relationship, the fee, the custody arrangement, the planning scope, and the review cadence without translating industry jargon.
01
Compensation
We explain the advisory fee schedule before engagement. The firm does not receive product commissions for selling financial products.
02
Custody
Client assets are generally held at independent third-party custodians rather than by Germana Capital.
03
Scope
We define what is included, what requires outside tax or legal professionals, and how coordination will work.
04
Documentation
Recommendations, risks, fees, conflicts, and planning assumptions are documented through the advisory process.
First meeting
The first call should help you decide whether to continue.
You do not need to have everything organized before contacting us. You only need to know what prompted the conversation. We will ask about goals, accounts, income, major assets, risks, time horizon, and any urgent decisions.
- What are you trying to solve?
- What decisions are coming up in the next 90 days?
- What assets and accounts should be included in the review?
- Which other professionals should be involved?
Ready for a clearer picture?
Schedule a confidential consultation and we will explain whether the scope appears appropriate before any engagement begins.