Finberry

The Need

The wealth management industry has long been characterized by its exclusivity, high fees, and intricate processes, leaving many individuals feeling shut out. This complex and often intimidating environment has created a significant barrier to entry for those seeking to participate in the financial markets:

High Costs: Traditional wealth management services often come with significant fees, making them inaccessible to a large portion of the population. These costs can deter smaller investors from seeking professional advice, as they might feel that such services are only for the wealthy.

Complexity: Wealth management is often viewed as overly complex, with numerous investment products, strategies, and jargon that can be difficult for non-professionals to understand. This complexity can be intimidating and discouraging for individuals without a strong financial background, preventing them from engaging with professional services.

Exclusivity: The industry has historically catered to high-net-worth individuals, making wealth management services feel exclusive and out of reach for the average person. Many individuals are either unaware of or unable to access personalized financial advice, leaving them with limited guidance in managing their investments.

Inaccessibility: Traditional wealth management services are often not designed to be user-friendly or inclusive for individuals from diverse financial backgrounds. This creates a gap between those who need professional advice and the ability to access it, particularly for people with smaller portfolios or less experience.

Lack of Personalization: Personalized investment strategies and guidance are usually reserved for high-net-worth clients, while smaller investors are often provided with generic advice. This lack of tailored support can hinder the financial growth of individuals with less capital.

The Solution

Finberry is committed to breaking down barriers in wealth management by offering a more accessible and user-friendly approach to investing. The platform is designed to simplify the investment process, making personalized investment services available to individuals of all backgrounds. By removing the complexities and high costs of traditional wealth management, Finberry democratizes the industry, ensuring everyone has access to professional investment guidance.

The platform is intuitive and easy to use, even for those with limited financial knowledge. Finberry believes that everyone, regardless of their background or experience, should have the opportunity to grow their wealth and achieve their financial goals. By providing a more inclusive investment experience, Finberry is challenging the traditional norms of the wealth management industry and empowering individuals to take control of their financial futures.

A Comprehensive Investment Services Gateway

Finberry is a cutting-edge financial platform reshaping wealth management for individuals. It offers flexible and affordable pricing, starting with a Freemium model and extending to competitive plans, making its services accessible to everyone. By leveraging advanced analytics, artificial intelligence, and seamless integration with financial institutions, Finberry provides a personalized investment experience tailored to meet the unique needs of each client.

How it works:

Analyze

Finberry’s advanced platform harnesses the power of Open Banking and Open Finance technologies to deliver a fully digital, seamless, and automated experience. By connecting financial accounts from various European and Israeli institutions, customers can securely grant access to their financial data in just a few clicks. This eliminates the need for manual data entry, saving time and reducing the hassle of managing multiple accounts. The platform ensures security and convenience, streamlining financial management like never before.

A Comprehensive Overview of Wealth Across All Assets and Liabilities 

Once customers’ accounts are connected, the platform allows them to add other types of assets, including investments, real assets such as real estate and vehicles, as well as liabilities like mortgages, loans, and credit cards. This comprehensive aggregation provides a holistic view of their entire financial landscape in one easy-to-use platform, offering a complete and up-to-date picture of their wealth.

Three Powerful Layers of Analytics for Deeper Insights

Once the customer’s wealth has been fully consolidated, they gain access to three layers of analytics designed to provide progressively deeper insights into their financial situation:

1. Financial Overview Dashboard: Customers' consolidated financial information is presented in a real-time dashboard, offering a clear snapshot of their overall financial standing, including accounts aggregation, asset distribution, and liability breakdown.

2. Balance Sheet View: A structured analysis ranks all assets and liabilities by liquidity profile, giving customers a detailed view of their financial health, whether short-term assets or long-term investments.

3. Portfolio Performance & Risk Analytics: The third layer delves into portfolio performance, risk assessments, and optimization opportunities. Customers can evaluate how their assets are performing, identify risks, and align their portfolio with long-term objectives.

Actionable Insights for Smarter Financial Decisions

These analytics provide valuable insights into customers' financial situations, helping them optimize their portfolio performance, adjust asset allocations, or rethink liability strategies. Customers have the tools to take control of their wealth like never before.

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Seek Advice

After aggregating a customer’s entire wealth portfolio across all accounts, Finberry provides a complete real-time view of their financial landscape. Using advanced data analysis, the platform delivers personalized financial strategies tailored to their assets, liabilities, and overall financial position. By consolidating everything in one place, the complexity of managing wealth across multiple platforms is eliminated, offering customers a streamlined financial overview.

Dynamic Risk Profiling and Personalized ESG Preferences

Customers are guided through a process to define their risk profile in a dynamic, interactive way. The platform also allows customers to specify their ESG (Environmental, Social, and Governance) preferences, ensuring their investments align with their values. The platform tailors strategies and products based on customers' financial knowledge and personal preferences, ensuring every recommendation is aligned with their unique objectives.

Tailored Financial Strategies Backed by AI and Expertise

Finberry’s expert advisors, supported by AI-powered algorithms, create custom asset allocation strategies that are specifically designed to meet customers' needs. This ensures a balanced, diversified portfolio aligned with risk tolerance, ESG values, and long-term goals. The AI continuously analyzes market conditions and portfolio performance, ensuring strategies evolve as the customer’s financial situation changes.

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Invest 

With Orchards, Finberry's Product Marketplace, customers gain direct access to a comprehensive Trading Portal with over 40,000+ securities. From traditional assets like equities, bonds, ETFs, and mutual funds to more advanced instruments such as options and futures, the platform ensures a diverse range of investment opportunities. Customers can also explore alternative investments such as structured products, private debt, and private equity, typically reserved for high-net-worth individuals. This allows customers to diversify their portfolio in ways previously out of reach for many investors.

Flexibility to Invest Independently or with Expert Support

Finberry’s platform is designed for flexibility. Customers can manage their investments and execute trades independently, or, if preferred, delegate investment management to a dedicated portfolio manager. In this case, the portfolio manager ensures the customer’s strategy is expertly executed while aligning with their financial goals, providing peace of mind.

Real-Time Transparency and Control

Even when delegating investment management to an expert, customers retain full transparency and control over their portfolio. The platform allows them to track every action in real-time, 24/7, monitor performance, and receive timely reports. This level of transparency ensures customers are always informed, knowing their wealth is being managed in alignment with their objectives.

The Technology

Finberry's platform is fully digital, combining cutting-edge AI and expert-driven insights to offer a comprehensive solution for investment services. Our key features include:

• Asset & Liability Aggregation: Seamlessly aggregate accounts, investments, mortgages, and real assets across the EU and Israel, providing a full view of your financial life.
• Professional-Grade Analytics: Access advanced tools to analyze total wealth, portfolio performance, and risks, offering insights that were once available only to high-net-worth individuals.
• Real-Time Data: Stay updated with live data for both investments and accounts, allowing timely and informed decisions.
• Client Profiling: Our platform offers sophisticated risk and ESG (Environmental, Social, Governance) profiling alongside financial knowledge assessments to provide customized advice and strategies.
• Financial Learning Center: Empower yourself through educational content, including a self-certification system to validate your financial expertise.
• Tailored Asset Allocation: Receive bespoke investment strategies that align with your risk tolerance, ESG preferences, and financial understanding.
• Fully Digital Onboarding: Experience a seamless onboarding process, from KYC and contract signing to risk profiling and a video consultation with your advisor—all in one place.
• Three core investment services: Comprehensive Portfolio Management, Tailored Financial Advisory, and Self-Directed Investments, providing users with flexibility and control over how they manage and grow their wealth.
• Trading Portal: Access over 40,000 financial instruments, including equities, bonds, ETFs, mutual funds, futures, and options, at competitive rates.
• Multilingual Support: Available in English, Hebrew, and French, Finberry ensures accessibility to a broader audience.

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