In the investment industry, clients often don’t know who is truly on their side. At Nautic Invest, we believe that understanding your advisor’s business model is just as important as knowing where they’re helping you invest your money.

Understanding the Financial Advisory Model: The Nautic Invest Approach

1. Independent Advisor vs Bank/Broker:

A banker at a traditional bank or brokerage firm works under commercial targets — selling in-house or partner products. In 90% of cases, they lack the freedom to recommend what’s truly best in the market, or the technical knowledge to analyze it properly.

In contrast, an independent advisory firm like Nautic Invest can select the best from a wide array of funds, ETFs, custodians, and solutions. We hold no inventory and earn no commissions from specific product sales.

2. RIA and Multifamily Office: Fiduciary Models

A RIA (Registered Investment Advisor) in the U.S. is legally obligated to act as a fiduciary — that is, always in the client’s best interest.

A Multifamily Office, like Nautic Invest, goes even further, integrating wealth planning, cost control, and institutional access to optimize long-term family investment strategy and protection.

3. Who Pays — and How Are Incentives Aligned?

This is critical:

  • In a bank, the client often pays indirectly — through hidden fees embedded in investment products, custody costs, advisory fees, or brokerage charges.

  • In Nautic Invest’s model, the client pays a clear and fixed advisory fee. This structure aligns incentives and ensures true independence.

4. Hidden Conflicts of Interest in the Seller Side (Banks):

  • Sales bonuses for recommending certain funds or products.

  • Recommending products with retrocessions or rebates.

  • Lack of independence from internal product committees.

At Nautic Invest, we eliminate these conflicts. Our institutional investment process ensures decisions are made 100% for the client — not for product providers.

At Nautic Invest, every client receives a clear diagnosis, a tailored strategy, and guidance free of conflicts. Because investing well doesn’t start in the market — it starts with who’s advising you.