PHILOSOPHY

From time to time, important modifications appear due to changing market conditions, however today’s banking industry remains unchallenged in its fundamental organization.

The recent crisis shows that despite efforts made by regulatory bodies, investors have lost trust in their financial institutions, thus, there remains room for improvement in disclosing how fees are passed on to investors.

Market trends and potential growth opportunities compose together the main ground for product creation as well as their extensive sales to investors. As a consequence, portfolios are at risk of churning, leading to potential negative impact on the overall performance due to the increase of accumulated fees.

Moreover, another process showing inefficient results is the “Profile Labeling”. Indeed, clients are labeled with investment profiles such as “conservative, moderate and aggressive”, instead of a genuinely tailored approach. These practices turn out to be lucrative for the industry and disserve the risk bearers themselves; the investors.

BREAKFEE’s position in this challenging environment stands at the investor level, behaving as a guardian and striving to drive up investor consciousness concerning industry practices with respect to fees and services quality. BREAKFEE does not sell products but serves and employs its expertise entirely for our client’s benefit.

Transparency and impartiality are BREAKFEE’s core values: there are no conflicts of interests rising from compensation agreements, retrocessions and/or referrals. BREAKFEE is a solution finder and is not limited by the services of a single entity. Investments opportunities are rendered accessible through our valuable network. Moreover, being a risk free partner, no funds transfer is required as clients’ wealth remain within their institutions.