Marco Terrone
Independent Financial Advisor

Your financial freedom,
tailor-made.

Beyond traditional banking: pure, transparent, and completely independent financial advisory.

Financial Consultant

Independent vs Bank Advisory

The devastating impact of costs over time

Portfolio Comparison: Independent Advisory (ETF cost 0.2% p.a.) vs Traditional Bank Advisory (Cost 2.5% p.a.)

Initial investment € 0
Monthly contribution € 500
Estimated gross return 8.0%
Time horizon 40 years
Total Deposited
€ 0
Independent Advisory (0.2%)
€ 0
Traditional Bank Advisory (2.5%)
€ 0
Capital Lost
€ 0
Total deposited
Independent Advisory (0.2% p.a.)
Traditional Bank Advisory (2.5% p.a.)
Capital lost to costs

Why choose independence?

  • 01.

    Clear Costs

    I eliminate hidden commissions typical of banking products.

  • 02.

    Transparency

    No kickbacks: I am paid only by the client, for the client.

  • 03.

    Zero Conflict of Interest

    I do not sell products. I offer objective solutions.

  • 04.

    Financial Awareness

    You will always know exactly what you pay and why.

My Services

Investment Advisory

Impartial analysis of your existing portfolio, personalized recommendations with no ties to banking institutions. I aim only for maximum tax and performance efficiency.

  • Asset Allocation Strategy
  • Continuous Monitoring
  • ETF and Passive Instruments Selection
Request Portfolio Analysis

Why Choose Me

Pure Fee-Only

I am compensated exclusively by you via a transparent fee, without any kickbacks or hidden commissions.

OCF & TUF Compliance

I operate in full compliance with the Italian Consolidated Law on Finance (TUF) as an independent advisor registered with the OCF.

Open Architecture

I freely select the best instruments on the global market with no commercial ties to banks or issuers.

Alignment of Interest

My sole objective is to grow and preserve your wealth over the long term, eliminating bank conflicts of interest.

360° Holistic Vision

Integrating investments with insurance protection, succession, and retirement planning into a single, coordinated strategy.

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About Me

"The financial industry focuses on selling a product. True financial planning focuses on giving advice."

- Michael Kitces

Frequently Asked Questions

Do I have to change banks to work with you?

No, you can keep your current bank. I operate as an external advisor, analyzing and recommending the best strategies to apply to your existing bank accounts.

How is my fee calculated?

My compensation is a clearly agreed-upon flat fee (fee-only) based on wealth complexity or a fixed percentage of assets under advisory. No hidden costs.

How is the risk of my investments evaluated?

I use scientific protocols to define your psychological and financial risk profile, ensuring that your portfolio is always aligned with your emotional tolerance.

★★★★★ Google Reviews

What my clients say

"I finally understood where my money was going in the bank. Excellent professional."

- Elena V.

"Total transparency. Now I invest with peace of mind knowing there are no conflicts of interest."

- Marco T.

"High-level tailor-made advice. Highly recommended for complex wealth portfolios."

- Roberto S.

Start your journey to independence today

Fill out the form for a free initial analysis of your financial situation.

Brief Information Notice (Art. 13 GDPR): Your data (name, email, and message) will be processed by Marco Terrone (Data Controller) solely to provide the requested information. The data will not be shared with third parties or used for marketing purposes without your specific express consent. You can exercise your rights (access, rectification, deletion) at any time by writing to mt@marcoterrone.com.