AL42
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Independent wealth reporting, banking coordination and education for next-generation wealth

Bringing together Swiss private-banking experience and a deep understanding of new technologies to help wealthy families navigate wealth and change.

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/ Approach

Full-picture visibility. Clear decisions. Future-ready wealth.

Many wealthy families hold assets across several banks, brokers, crypto platforms, private investments, real estate and other holdings.

The problem is simple: each provider shows only one part of the picture. The family often does not see everything in one place.

My first step is to bring these pieces together.

Start with a full picture

Portfolio consolidation is the practical starting point.

I bring together bank portfolios, brokerage accounts, digital assets, real estate, private markets, lending arrangements and other major holdings into one clear report.

The objective is to show what the family owns, where it is held, where there are overlaps, concentrations or reporting gaps, and what questions should be raised with banks or other specialists.

Maintain the overview

A consolidated report is not only a one-off exercise.

Wealth changes over time: bonds mature, banks propose new investments, fees are charged, instructions are implemented and new accounts are opened.

I help maintain the overview through updated reporting, bank meeting preparation, follow-up with relationship managers and checks against the consolidated picture.

Use technology where it adds clarity

I use technology, including AI-supported tools, to make wealth reporting clearer, faster and easier to understand.

The purpose is not technology for its own sake. The purpose is better visibility, better questions and less dependence on fragmented Excel files or disconnected reports from different institutions.

Prepare for the future of wealth

The same technology shift is also changing private banking itself.

Artificial intelligence, blockchain, tokenisation, digital assets, digital wallets and new custody infrastructure are changing how wealth is held, reported, transferred and understood.

Education on these changes is part of my work. Families do not need to follow every trend, but they need enough clarity to understand what matters and prepare before important decisions become urgent.

Independent by design

AL42 is independent from banks, product providers and investment managers.

My role is to bring clarity to complex information, coordinate banking relationships, support consolidated reporting and help families understand the changes shaping the future of wealth.

You remain the sole decision-maker.

/ Services

Practical support for clearer wealth decisions

01Portfolio consolidation and health checkGet a complete view of your wealth across banks, brokers, digital assets, real estate and other major holdings.

Questions it helps answer

  • How much wealth do I actually have across all institutions?
  • Where are my largest exposures and concentrations?
  • Do I hold similar investments across multiple banks?
  • Am I paying excessive fees?
  • Is my wealth fragmented across too many providers?
  • Do I have sufficient visibility and reporting?

Deliverables

  • Consolidated wealth overview
  • Consolidated reporting
  • Portfolio observations
  • Identification of overlaps, concentrations, fees and reporting gaps
  • Areas for further investigation
  • Discussion of findings during a dedicated review call

Example A family has assets at UBS, Pictet, Julius Baer, Interactive Brokers, a crypto exchange and several real-estate investments. For the first time, all assets are consolidated into a single report, followed by a discussion of key observations and questions to explore further.

02Bank selection and introductionsIdentify suitable banking partners and navigate the account-opening process with greater clarity and efficiency.

Questions it helps answer

  • Which bank is the right fit for my needs?
  • Which banks are comfortable with my residence, nationality and source of wealth?
  • Which bank can support my family situation and banking requirements?
  • Which institutions have appropriate digital-asset or custody capabilities?
  • How can I make the account-opening process smoother?

Deliverables

  • Discussion of your banking requirements
  • Shortlist of potentially suitable banking institutions
  • Introductions to selected relationship managers
  • Support throughout the account-opening process
  • Assistance with onboarding and KYC documentation
  • Comparison of information and proposals received from banks

Example You are relocating to Switzerland and need a private-banking relationship. Suitable institutions are identified, you are introduced to selected relationship managers, and you receive support in preparing the onboarding documentation.

03Ongoing banking relationship oversightMaintain a clear overview and effective organisation across several banking relationships.

Deliverables

  • Regular updates to consolidated wealth reporting
  • Preparation for, and participation in, bank meetings
  • Clear meeting notes, action lists and follow-up with banks
  • Checks that documented client instructions have been implemented
  • Checks of fees and charges against agreed fee schedules
  • Support with banking fee and service-condition negotiations
  • Coordination of communication between banks, you and external specialists

Example You have several banking relationships and limited time to follow every meeting, instruction, fee schedule and open question. AL42 helps maintain the overview, prepare meetings, document agreed actions and follow up until matters are resolved.

Service boundary You remain the sole decision-maker. This service does not include personalised investment recommendations, suitability assessments, transaction instructions, portfolio management or custody of client assets.

04Future of wealth strategy and educationUnderstand the technological changes that matter, decide what deserves attention and prepare for the future of wealth together.

Questions it helps answer

  • How may AI, blockchain and digital assets change private banking, investing and family businesses?
  • Which technology developments are relevant to my family, and which can be ignored?
  • What should children or future wealth owners learn now?
  • How could technology affect the way wealth is held, protected and transferred?
  • Which questions should I raise with banks, lawyers and other specialists?

Deliverables

  • A private briefing or family workshop tailored to your interests and level of knowledge
  • Clear discussion of AI, blockchain, digital assets, tokenisation and other relevant technology developments
  • A structured conversation about the opportunities, risks and questions most relevant to your family
  • A short written summary of key themes, questions and areas for further learning or preparation
  • Practical questions to raise with banks, lawyers, investment managers or other specialists

Example Your family wants to understand whether AI, blockchain and digital assets are short-term trends or developments that may affect its business, wealth and children. Through a private workshop, you identify what matters, what needs further understanding and how to begin preparing together.

05Technical analysis and smart money educationUnderstand how markets move through price action, market structure, liquidity and the behaviour of large institutional participants.

Topics

  • Technical analysis, price action, trends, support and resistance
  • Smart money concepts, liquidity and market structure
  • How large market participants may influence price behaviour around key levels
  • Risk management and trading psychology

Deliverables

  • Private education sessions using real charts and market examples
  • Clear explanation of technical analysis and smart money concepts
  • Discussion of your questions and learning objectives

Example You want to understand why markets often move sharply around certain price levels and how large participants may behave differently from retail traders. You receive a practical introduction to market structure, liquidity and technical analysis, without trading signals or investment recommendations.

Service boundary

You remain the sole decision-maker. Services do not include personalised investment recommendations, suitability assessments, transaction instructions, portfolio management or custody of client assets.

/ About

Why this practice exists

I spent nearly two decades in Swiss private banking and wealth management, working with high-net-worth individuals, families and entrepreneurs.

During this time, I noticed a recurring pattern: families often hold assets across several banks, brokers, digital platforms, real estate and private investments, but rarely have one clear view of the whole picture.

I created AL42 to help families bring this information together through portfolio consolidation, wealth reporting and portfolio health checks across institutions and asset classes.

This work helps identify overlaps, concentration risks, excessive fees, reporting gaps and points that may require further discussion with banks or other specialists.

I believe that sound decisions start with full visibility. Clarity first, complexity only where it is necessary.

This focus on visibility naturally connects to my broader interest in technology. Better tools can make wealth reporting clearer, faster and more useful than traditional fragmented reports.

Since 2022, I have actively developed my knowledge and network across artificial intelligence, blockchain, digital assets and technology-focused communities through education, industry events, projects and conversations with entrepreneurs, investors and professionals in these fields.

I am deeply interested in how new technologies will change wealth management and private banking: from AI-supported reporting and analysis, to tokenised assets, digital custody, blockchain infrastructure, faster payments and new expectations from the next generation of wealth owners.

For now, I apply this interest in a practical way through technology-supported reporting and clearer wealth visibility. Over time, my broader mission is to educate families on the technological shift reshaping wealth, so they can prepare with curiosity, confidence and responsibility.

What I bring

  • Nearly two decades of Swiss private-banking and wealth-management experience
  • Portfolio consolidation across banks, brokers, digital assets, real estate and other major holdings
  • Portfolio health checks covering overlaps, concentration risks, fees and reporting gaps
  • Clear reporting designed to show the full picture of wealth
  • Ongoing banking relationship oversight and coordination
  • Bank selection, introductions and onboarding support
  • Practical use of technology and AI-supported tools
  • Education on AI, blockchain, digital assets and the future of wealth

/ Contact

Get in touch

For portfolio consolidation, banking coordination or a discussion about the future of wealth, contact me directly.

1@al42.ch

Geneva, Switzerland