The 3 stages to achieving financial well-being safely
Our work is built on three interconnected stages that transform your financial life with a very clear financial architecture.
This flow ensures not just a plan — but a living process of evolution, care, and consistent results.
01
Diagnosis and Strategic Introduction
This is the stage where it all begins. Here, we conduct an in-depth initial consultation to understand your current situation, your life goals and your relationship with money. We present the pillars of the investment world, explain the possible paths and the most common goals of those seeking financial freedom. Based on this, we assess whether your profile is in line with a personalized investment strategy, always respecting your pace, your reality and what really matters to you. This is the starting point for making decisions with greater security and clarity.
02
Financial Mapping and Portfolio Structuring
After the initial diagnosis, we enter an essential stage: the complete mapping of your financial life. Here, we analyze all of your fixed and variable costs, income, obligations, and family structure. We identify points of waste, opportunities for savings, and create a clear and objective overview of your financial flow. With this information in hand, we design personalized portfolios to achieve your initial goals. We start with the base: Security Fund (containment and emergency). Next, we structure the Essential Portfolio, aimed at covering housing, transportation, health, and food. We evolve to the Quality of Life Portfolio, which covers education, travel, and leisure, and we begin the transition from active income to planned passive income. Finally, we deliver a complete project focused on retirement and an opportunity fund to leverage future achievements. This stage represents the total organization of your financial life with strategic vision and security.
03
Strategic Monitoring and Continuous Optimization
Building your portfolio is just the beginning. In Step 3, we begin ongoing and strategic monitoring of your financial plan. We monitor your investments, rebalance whenever necessary, and assess the performance of your assets based on changes in the market and your own life. You are not alone here: our team analyzes reports, filters the most relevant information, and keeps you clearly informed. We hold cyclical meetings to identify areas for improvement, optimize allocations, incorporate new contributions, and ensure that the plan evolves along with your goals. This step represents constant care, intelligence in motion, and a commitment to the real growth of your assets.
what i think
Birds raised in cages believe that flying is a disease, but we are like this:
"We dream of flying, but we fear heights. To fly, we need to have the courage to face the terror of emptiness. Because it is only in emptiness that flight happens. Emptiness is the space of freedom, the absence of certainties. But that is what we fear: not being certain, that is why we exchange flying for cages, because these are places where certainties live.
So don't be sure, escape from your cage.
Fernando Baptista dos Santos
Qualified Point of View
Imagine a 42-year-old computer engineer, graduated from Universidade Paulista, with a postgraduate degree in project management with PMI practices applied to finance from SENAC, with specializations in portfolio standardization management from the University of Toronto and risk management from the University of Montreal, whose career combines technical excellence, entrepreneurial vision and a unique ability to generate real impact. With two postgraduate degrees, extensive international experience and a restless mind focused on innovation, Fernando Santos is today an investment concierge — an expert in guiding people and companies along an exclusive path towards financial freedom.
Passionate about cycling, motorsports and martial arts, Fernando began his entrepreneurial journey at the age of 18, when he founded his first startup while still in college. Since then, he has transformed ideas into concrete solutions, creating notable companies such as Widetel Networks, BuscaNoMercado, Passe Real, TopQueen, STA AutoCenter, Resolvido Equipamentos, Interativa Sistemas and Recebido LTDA. His strategic vision and ability to execute have made him a respected figure in the innovation ecosystem.
His background includes important theses on high availability infrastructures and proactive information security, as well as postgraduate degrees focused on project management and risk analysis. This solid foundation has enabled him to lead complex projects in world-renowned companies.
At the age of 30, Fernando expanded his horizons to the world of investments, where he quickly stood out. His experience with international banks and companies, his work in treasury environments, and his practical experience with global client portfolios consolidated a new chapter in his career: that of an investment specialist with international operations.
Today, as an investment concierge, Fernando offers a personalized, sophisticated and complete experience. More than simply managing assets, he builds life strategies. He analyzes each profile in depth, structures portfolios with multiple objectives and closely monitors the evolution of each plan, ensuring alignment, performance and peace of mind at each stage.
His international experience, working with multicultural teams and challenges in different markets, brought a unique perspective on global financial movements and the behavior of capital in the real world.
Fernando combines analytical skills, strategic sensitivity and field experience to transform financial goals into concrete results. His work goes beyond technique: he offers vision, care and a real commitment to the success of his clients.
Convinced that innovation and depth are the foundation of achievement, Fernando has become a reference for those who want to build wealth with purpose. He believes that the real difference lies in personalization — which is why he positions himself as an investment concierge, offering a high-level service designed for those who value clarity, trust, and financial autonomy.
Oh, and if there are still any doubts about his willpower and resilience, just look at the most intense chapter of his life: Fernando overcame one of the most aggressive cancers in the world — a 9 cm³ diffuse malignant astrocytoma infiltrated in the brain.
He survived a 10-hour surgery, six months of radiotherapy and another six months of chemotherapy.
Giving up? It was never an option. If he didn't give up on himself, why would he give up on you?
Fernando Baptista dos Santos
Financial Concierge applied to Investments
