Post by Ralph S. Müller

A Geneva entrepreneur told me last week: "My private banker says I'm getting excellent service. Why would I need an independent advisor?" So I asked him 5 simple questions: 1️⃣ Who pays your banker's salary—you, or the bank and product providers? 2️⃣ Can you tell me your total annual cost, including all hidden fees? 3️⃣ Who makes the final investment decisions—you, or your banker? 4️⃣ If markets drop 20% tomorrow, what's your pre-agreed exit strategy? 5️⃣ Can you switch custodians without changing advisors? After 8 years as a client, he couldn't answer a single one confidently. The issue isn't service quality. It's **alignment of interests**. Banks optimize for product sales. Independent advisors optimize for client outcomes. With independent advisory: ✅ YOU pay directly (no hidden conflicts) ✅ Full transparency (every fee disclosed) ✅ YOU control decisions (advisor executes) ✅ Clear risk plan (agreed upfront) ✅ YOU choose custodian (complete flexibility) The difference? One serves the institution. One serves you. 📧 Second opinion consultation: [email protected] (complimentary, confidential) Follow Assetrust SA for transparent wealth insights #WealthManagement #Geneva #IndependentAdvisor #FinancialTransparency #PrivateBanking #FinancialAdvisory