fam®family asset management

PLAN AND GUARANTEE YOUR FAMILY’S F INANCIAL WELL-BEING AND PEACE OF MIND

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How to plan your family’s financial well-being with fam®family asset management.

fam®family asset management

fam®family asset management

fam®family asset managementBUILDING UP YOUR FAMILY WEALTH

TAKES HUGE AMOUNTS OF ENERGY AND EFFORT.

IN ORDER TO ENJOY IT WITH PEACE OF MIND, IT IS USEFUL

TO HAVE “ASSETS DIRECTION”,WHICH CAN ENSURE YOUR QUALITY

OF LIFE AND HELP YOU ACHIEVE YOUR GOALS.

It is in fact possible to follow a precise route to check whether thechosen financial strategy is sustainable and adequate and to ensure thatit is consistent with the culture and values of your family. A route that can turn wealth into well-being.

fam®family asset management

beginning with a complete analysis of thefamily structure, its assets, its income andits expenses

defining the appropriate risks and theunjustified ones

selecting investments only on the basis ofaccurate research, precise figures, rigorousanalysis and sophisticated informationtechnology.

minimising risks arising from the uncertaintyof economic scenarios, from market global-isation and from high volatility

periodically checking and monitoring theinvestments and giving notification of theresults achieved.

fam® (family asset management) is the methoddesigned by the Arner Group to provide thosewho require personalised strategic assistance inthe management of their assets with the skills andexperience of a specialised team.

fam®family asset management

Banca Arner is an independent body that combinesrigorous research and methodology with the flex-ibility, dynamism and technical and human skillsof an international team of experts. In its services dedicated to the family Banca Arneroffers experience gained in various sectors.

private banking corporate finance private equity international tax planning property

Convinced that consultancy should have higherpriority than the sale of financial products, BancaArner has developed fam®, a family assets strate-gic consultancy product based on completelyinnovative software. Indeed fam® was designed to meet the numerousrequirements of the family as regards its assets.

Protection and growth of overall purchasing power the family manages to face more effectively whatmay be called the “great wealth destroyers”.

inflation excessive and imprudent spending disputes between family members excessive concentration of assets in a singletype of business inefficient tax structure inadequate administration and consultancy

fam®family asset management

Well-being and peace of mind Knowing that his or her assets are managed withthe right risk profile, each member of the familyhas more freedom to concentrate peacefully onachieving personal goals

Optimal inheritance planningAiming at transferring assets efficiently and with-out disputes to the next generation.

The main goals of fam®

The whole asset mass is analysed with the help ofan expert independent consultant who uses theFAM Matrix to identify the lines along which theassets should develop in order to meet familyobjectives. The results are set out in the StrategicAssets Evolution Plan, which shows the relation-ship between the nominal value of the assets andtheir accessibility level.

fam®family asset management

The FAM Matrix and the FAM factor The FAM Matrix is a representation of the accessibilitylevel of assets. It is designed to show graphically whetherthe family’s position is in line with its expectations andcompatible with its long-term goals. The vertical axis of the matrix shows the value of the global fam® factor (which is defined by thecombination of the fam® factors of each asset taking intoaccount their correlations), while the horizontal axis shows the client’s age. The FAM factor is a concise indicator of the level of financial quality and of the accessibility of each asset,whether financial or tangible, and is calculated on the basis of the volatility, liquidity and tax exposure of the asset and of the asset class to which it belongs. The position of the family’s assets on the FAM Matrix is compared with that given by the curve that shows the typical evolution a comparable family’s assets, so as to identify rapidly and effectively any disparitybetween the structure of the family’s assets and the ideal assets structure.

fam® is arranged in three stagesfam®

family asset management

This is a dynamic stage during which the invest-ments are selected. Banca Arner identifies the best products on themarket and proposes them to the client, whomakes his choice with complete freedom.

NOBLE HE IR CAREFREE SAILOR HAPPY CAMPER

EARLY BU I LDER GAMBLER

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CONF IRMED WORKAHOL IC

MATURE BUILDER

The figures obtained are supplemented withinformation and forecasts on the future prospectsof the markets using the exclusive AssetsAllocation System, so as to obtain a mix of solu-tions that meets the long-term goals.

THE FAM MATR IX

The typical evolution curve passesthrough an accumulation stage,moves on to consolidation beforereaching maturity, and expresses the need to improve the globalfam® factor of one’s assets withincreasing age.

fam®family asset management

The Assets Database Complete and confidential inventory containingdetails of all the family’s assets, wherever these arekept or located.

The main instruments of fam®

The Tax Profile Analysis of the tax implications relating to eachasset, in the current situation, in the event of saleor transfer to heirs.

fam®family asset management

Statement of returns on assets Historical outline of returns on family assetsshowing:

the overall nominal return the overall real return, net of anyexchange rate differences the nominal and real return for each asset class and each currency.

The Strategic Evolution Plan Analysis of the figures collected making it possibleto define, for the family assets:

the asset and liability statement the profit and loss statement the relationship between income generatedand income needed the possible risks projection of the family asset’s evolutionin the medium-long term the level of accessibility thanks to the fam factor the financial freedom threshold, whichgives a conservative estimate of the assetsneeded to ensure coverage of currentexpenses and future needs of the family.

fam®family asset managementfam® and the Family Office

fam®family asset management

fam®family asset management

fam® IS THE INNOVATIVE STRATEGIC CONSULTANCY PRODUCT

AT THE ROOT OF THE FAMILY OFFICE,A SERVICE THAT OFFERS 360°CONSULTANCY FOR ASSETS OF SUBSTANTIAL SIZE, SPECIALISEDIN THE ADMINISTRATION AND MANAGEMENT OF ALL THE FAMILY

ASSETS, FROM TANGIBLE ASSETS (BUILDINGS,VEHICLES, BOATS,ARTWORKS AND PRECIOUS OBJECTS),TO COMPANY STAKES AND FINANCIAL

RESOURCES IN THE FORM OF LIQUIDITY AND SECURITIES.

The family is thus relieved of the burdens and worries of managing andpreserving its assets, and can simplify the administration of its wealth byhaving a single counterpart to refer to. The Banca Arner Family Office ensures customised support in planning,protecting, and enjoying your wealth with satisfaction and in transferringit peacefully to subsequent generations.

fam®family asset management

fam® asset analysis risk identification, management and controlasset management and administration identification and selection of asset managers identification and selection of custodian banks preparation of consolidated reports on theresults of investments analysis and break-down of performance tax planning drawing up testamentary provisions organisation and administration of trusts organisation and administration of companystructures assistance in the management and resolutionof family disputes

fam®family asset management

definition of a philanthropic strategy andassistance in its practical implementation assistance in valuations of companies and property strategic consultancy in the process of buying or selling the family business organisation of loans and investment syndicates in new company projects assistance in developing a plan to ensurecontinuity of ownership and of managementof the family businessassistance in defining strategies to increase thevalue of the shares held in the family businessselection of non-executive members of the board of directors administrative services

The services of the Family Office

How to achieve peace of mindregarding the current and futurestructure of your assets and feelfree to concentrate on new goals.

fam®family asset management

fam®family asset management

CHECK IF YOUR LIFESTYLE MATCHES

YOUR INVESTMENT STRATEGY,AND BE SURE NOT TO RUN UNDUE RISKS.

The certainty that you have planned the transfert of family properties toyour heirs, allocating to each person the role that best suits him or her. Being able to answer the questions set out in the following pages. This is what fam® and Banca Arner Family Office offer their customer.

fam®family asset management

do i know when i will be able toafford to stop working?

do i have sufficient peace of mindregarding the structure of my assetsto be able to concentrate on mypersonal objectives?

does the arrangement of my assets takeaccount of the need for clear, correctand efficient transfer to my heirs?

are my heirs ready to take possessionof their inheritance and manage it in keeping with the principles thatunderlie my family culture?

does the concentration of assets inthe family firm jeopardize the futurewell-being of my family?

do i know how to transfer to myfamily the values that i wish to bemaintained?

do i know what role each member of the family should have?

do i know how to choose themanagers of my assets?

is my lifestyle in line with my incomeand with my assets?

YES NO

YES NO

YES NO

YES NO

YES NO NO

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fam®family asset managementThe questions that fam® answers

is the risk profile of my investmentsappropriate for my assets situation?

if i take on debts to improve myprofitability, will i manage toshoulder the resulting risks?

am i able to have a general picture ofthe progress of my investments?

have i given enough thought to thepossibility of unforeseen risks thatcould jeopardize my future and thatof my family?

have i planned a programme ofinvestments linked to the educationof my children in such a way as topreserve the family’s wealth?

are there potential family disputesthat i can foresee and prevent?

are my investments suitably diversified?

do i know if this is the right momentto buy shares, to buy property or tomaintain liquidity?

do i know which assets my family wantsto retain or sell?

YES

YES

YES

YES

YES NOYES

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NOYES

NOYES

NOYES

NOYES

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YES

fam®family asset management

do i know what i want from my family office?

how will my family office be managed and organised?

what kind of technology is needed to set up a family office?

how will the services of my family office be paid for?

what can the family do to foster the success of the family office?

As regards my Family Office

CopyrightAll material available on the Publication, unless otherwisespecifically indicated, is under copyright to ARNERBANK. The material is freely usable for information pur-poses only and requires express mention of ARNERBANK in the event the material, or any part thereof isreproduced in any form, written or electronic.Additionally, any re-publication of this material requiresthe express written consent of ARNER BANK.

Ownership of Publication and Trademarks ARNER GROUP, ARNER BANK, fam, the FAM Matrixand its label are registered trademarks and service marks ofARNER BANK. ARNER GROUP reserves all rights withrespect to copyright and trademark ownership of all mate-rial in the Publication, and will enforce such rights to thefull extent of applicable law.

No Offer Neither the information nor any opinion expressed in thePublication constitutes an offer by any member of ARNERBANK to buy or sell any securities or financial instrumentsor provide any investment advice or service. None of theservices, investments or mutual funds referred to in thePublication are available, and prospectuses in respect ofthem will not be distributed, to persons resident in any stateor territory where such distribution would be contradictoryto local law or regulation.

The information in the Publication is descriptive of theARNER GROUP as a whole and the services, securitiesand financial instruments described may not be available toor suitable for you.

No Reliance Although ARNER BANK has taken all reasonable carethat the information contained within the Publication isaccurate at the time of publication, however no represen-tation or warranty (including liability towards third par-ties), expressed or implied, is made as to its accuracy, reli-ability or completeness by ARNER BANK or its contrac-tual partners. Opinions and any other contents at thePublication are subject to change without notice. ARNERBANK is not utilising the Publication to provide invest-ment or other advice to you or any other party, and noinformation or material at the Publication is to be reliedupon for the purpose of making or communicating invest-ment or other decisions. Past performance is not necessar-ily a guide to future performance. Please consult yourclient advisor before taking any investment decision.

No Warranty The information and opinions contained on thePublication are provided without any warranty of anykind, either express or implied, to the fullest extent per-missible pursuant to applicable law.