B10 provides clients integrated access to a broad range of services which typically induces B10 to manage a significant wallet share of clients' total wealth. The starting point of B10 Multi-Family Office is to understand clients' total assets, liabilities and tax status as well as future prospects over multiple generations. By thorough understanding of clients' total wealth, B10 strives to optimize the structural management of the client's wealth and financial assets.
B10 does not have any products of its own and is completely independent of commercial product and service providers such as mutual fund managers. B10 implements all client portfolios by selecting the most appropriate, suitable and cost-efficient instruments from the global investment universe. The end result is a very cost-efficient portfolio structured with open architecture tailored to meet the individual needs of every single client.
B10 professionals provide clients with a wide-ranging specialist expertise. B10's expertise derives from world's leading investment managers, private banks as well as the most successful asset managers and corporate pension funds in Finland. In addition to the institutional portfolio management know-how of B10, clients are assisted with extensive partner network, offering a specialized service linked to private equity, legal & tax, succession planning, valuations & financing, corporate structures and other related M&A transactions. The starting point of all service and advice is always the in-depth understanding of clients' individual goals and objectives.
B10 does not manage its clients' assets by generic model portfolios. The total family wealth managed by B10 typically exceeds EUR 10 million; the selected clientele enables B10 to offer unique and very specialized client service and individuality in portfolio management. All communication and the frequency of personal meetings are tailored to each client's specific requirements.
B10 provides its client families all-encompassing service with very individual touch. B10 works with the entire family - the patriarch or matriarch, their children and grandchildren. Planning encompasses the families' goals which typically include passing wealth on to next generations in a consolidated and tax efficient manner. Children and grandchildren are counseled on investments, taxes, estate planning and philanthropy from an early age. B10 co-ordinates and facilitates joint meetings for client families.
B10 is not tied to any in-house managed mutual funds or products, nor does B10 do any custody of client assets. The B10 team is free to focus on the most appropriate investment solutions and platforms for an individual portfolio without any conflict of interest. We implement tailor-made portfolios with the objective of selecting the best research sources, custody & trading platforms and finally the best instruments for implementation, wherever they may be.
Most of the global investment research and portfolio management is geared towards institutional investors and foundations which have very different tax treatment than individuals and families. Wealth structuring for the taxable investor is one of the cornerstones in the B10 assessment. The ability to offer institutional investor level portfolio management expertise added with holistic understanding of structuring multiple assets and liabilities enables B10 to focus on the net gain of assets over generations.
B10 offers clients a simple, transparent and cost-efficient fee structure. B10 typically charges a single (all-inclusive) management fee which covers all the traditional costs of implementing investments. B10 never charges performance fees or commissions for trading, execution and similar transactions. B10 strives in all its activities to benefit the client without any conflict of interest - full transparency is the best guarantee.