Banking for individual clients has evolved from a simple transactional business, focused on day-to-day banking, to incorporating a more comprehensive view of the clients’ total financial needs. Today’s clients are looking for integrated digital delivery, across multiple platforms, with or without direct human interaction, and with lower costs and more added value. A core part of this digital client experience is saving and investing for long term financial goals.
Support clients across multiple segments with investment decisions
Whether it’s saving for retirement, a major purchase or their kids’ education expenses, clients are looking for – digital – support and advice to help them make smart investment decisions. This should allow them to set goals, determine feasible objectives and select a portfolio that is most likely to achieve these goals. As market conditions and their financial situation change, clients are looking for timely advice – automated or supported by human advisors – to keep their goals on track.
Ortec Finance Solutions
The core business of Ortec Finance is the construction of global economic models that support decision making through market uncertainty. For more than 40 years, we have been doing this for the largest global institutional money managers. We apply these capabilities to individual client accounts to provide a realistic projection of how their portfolio will grow over time, and evaluate the feasibility to meet their long term goals. As the investment portfolio and the economic outlook change over time, the projections are dynamically updated and provide timely insight on how to keep goals on track.
Discover our Solutions for this Industry
Goal Based Wealth Management
Forward-looking insights into whether clients are on-track related to their investment objectives, to support timely advice, efficiently, at scale.
Goal Based Planning
Translate client financial goals into an optimal investment strategy that reflects their personal ambitions, cash flows and risk appetite and monitor the progress over time.
Read moreRetirement Planning
Enable clients to fund their lifelong retirement expenses through an integrated accumulation and decumulation strategy or discover options such as early retirement or other financial goals.
Read moreDifferent challenges, one solution
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Client engagement
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Digital and hybrid advice
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Operational efficient advice
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Product advice
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Comply with regulation
I’m looking for solutions to increase client engagement and add value to both client and advisors
As fees are compressing due to new market entrants, client engagement is becoming increasingly important. Providing timely and insightful advice helps the advisor to add more value, support more clients, and as a result enable them to retain and grow their business.
I need to engage my clients through multiple online channels to keep up with digitization
To reduce costs, but also to keep up with the increasing demand for client facing digital tools around personal finance and investment, organizations need to provide their services through multiple online channels. This calls for fast and efficient insights making use of automated suggestions and advice.
I need to engage my clients by providing client-centric advice and simultaneously increase cost efficiency
Improve engagement and increase of the number of clients per advisor, calls for operational efficient tools that, at the same time, support personal insights into their financial situation. Dynamic updates of client and market information is essential to increase engagement in an efficient way.
I need to help my clients decide which investment product is most suitable to meet their long term goals
Helping clients which investment products is most suitable for their long term goals is a core objective of the advisor. Whether it concerns registered or tax sheltered products related to specific goals such as retirement or kids’ education or non-registered products, advisors have a need for tools that support these complex decisions.
I need to comply with regulation related to assessing the suitability and appropriateness of advice
Increasing pressure of regulation, e.g. MiFiD II, ESMA (Europe), FSMA (UK) but also up and coming in other regions, require investment advisors to assess the suitability and appropriateness of proposed investment products, based on a holistic overview of their clients.
We are not afraid to challenge each other
Tom Loonen of InsingerGilissen is convinced that the work of private bankers will not be made superfluous by digitization. Which does not take away the fact that digitization produces good tools that can help him facilitate customers.
“We appreciate that Ortec Finance positions itself as an independent party that also dares to pose critical questions about our governance, investment policy, and how we guarantee good risk management.”
A few of our customers
If you would like to receive more information, a demo, or have any questions, please contact us below.
Contact
Iwan Schafthuizen
Managing Director Business Development
Richard Boyce
Managing Director CanadaRelated Insights
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25 January 2022Commonalities in Private Commercial Real Estate Market Liquidity and Price Index ReturnsIn this paper Dorinth van Dijk and Marc Francke examine co-movements in private commercial real estate index returns and market liquidity in the US (apartment, office, retail) and for eighteen global cities, using data from Real Capital Analytics over the period 2005–2018.
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24 January 2022Quarterly Outlook: Q4 2021The outlook is based on the Ortec Finance Economic Scenario Generator (ESG) and offers our perspective on recent developments in the economy and capital markets.
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19 January 2022Agglomeration Economies and Capitalization Rates: Evidence from the Dutch Real Estate Office MarketIn this paper Arno van der Vlist, Marc Francke and Dennis Schoenmaker analyze whether agglomerations of economic activity result in higher rents for users.
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29 October 2021COP26: Every minute countsIn a few days COP26, the annual United Nations climate change conference, will begin. We expect a real sense of urgency to take measures to prevent global warming from exceeding 1.5 degrees Celsius. Why 1.5 degrees and why are businesses and investors so concerned about it?
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15 October 2021Webinar on MiFID II implementation by different EU private banksMiFID II requires private banks and wealth managers to demonstrate that the investment product or instrument they offer is suitable for their client. This suitability requirement also includes that the client has sufficient investment knowledge and experience to understand the functioning and the risks of the investment product(s) or instrument(s).
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13 September 2021Precision in a Seller’s Market: Round Asking Prices Lead to Higher Counteroffers and Selling PricesThis paper proposes that the advice is useful, but only in a buyer’s market, in which buyers counter below the asking price. In a seller’s market, in which buyers counter above the asking price, sellers who wish to receive high counteroffers and sell for high prices should set round asking prices.
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10 September 2021Willemijn Verdegaal is speaking at The Economist’s Climate Risk EuropeAligning a portfolio to net-zero targets does not necessarily mitigate all climate-related financial risks. What other material risks should you be addressing? What are the main risk drivers and what analysis tools can best quantify both portfolio temperature scores and financial risks? What are the strengths and limitations of low-carbon benchmarks?
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07 September 2021Ortec Finance COO Martijn Vos in CIO’s top 20 global most influential knowledge brokersEach year, CIO asks a varied group of respected chief investment officers and allocators which consultants and advisors have “done right by them” for the current markets.
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06 September 2021Buyers in Amsterdam take limited account of ground lease paymentsOwners of homes on leasehold land owned by the municipality of Amsterdam pay the municipality a fee.