INVESTING · TAXES · ASSET MANAGEMENT
INVESTING · TAXES · ASSET MANAGEMENT
INVESTING · TAXES · ASSET MANAGEMENT
Keep what you earn.
What the financial industry knows — but doesn’t tell you. Real positions, real numbers, from Monaco.
🇨🇭 Swiss wealth management
🇨🇭 Swiss wealth management
🇲🇨 Based in Monaco
🇲🇨 Based in Monaco
🇲🇨 Based in Monaco
🏢 Asset management founder
🏢 Asset management founder
🏢 Asset management founder
🏦 Bank shareholder
🏦 Bank shareholder
📈 Hedge fund partner
📈 Hedge fund partner
Years in Monaco
15
15
Years in Monaco
15
15
YEARS IN MONACO
YEARS IN
MONACO
YEARS IN
MONACO
5
5
COUNTRIES LIVED IN
COUNTRIES
LIVED IN
COUNTRIES
LIVED IN
4
4
ROLES: HF · BANK · WM · AM
ROLES: HF · BANK · WM · AM
ROLES: HF · BANK · WM · AM
Trades come and go. Structure is what keeps you rich.
90 seconds — what this channel is.
About
A career spent inside the
industry.
A career spent inside the industry.
A career spent inside the industry.
Most financial content is written by people who have read about these topics. This is built by someone who worked in them. A career in finance across Swiss wealth management, a hedge fund partnership, and founding an asset management company. He has also owned a bank. That difference shows up in how specific the explanations are.
No financial advice. Just education built on real, lived experience — including some perspectives you genuinely cannot get anywhere else.
Most financial content is written by people who have read about these topics. This is built by someone who worked in them. A career in finance across Swiss wealth management, a hedge fund partnership, and founding an asset management company. He has also owned a bank. That difference shows up in how specific the explanations are.
No financial advice. Just education built on real, lived experience — including some perspectives you genuinely cannot get anywhere else.
Most financial content is written by people who have read about these topics. This is built by someone who worked in them. A career in finance across Swiss wealth management, a hedge fund partnership, and founding an asset management company. He has also owned a bank. That difference shows up in how specific the explanations are.
No financial advice. Just education built on real, lived experience — including some perspectives you genuinely cannot get anywhere else.
EARLY CAREER
US · UK · CIS
EARLY CAREER
US · UK · CIS
EARLY CAREER
US · UK · CIS
Financial services — early career
Financial services — early career
Built across multiple markets — the US, UK, and CIS
region. Broad exposure to how global financial
institutions and markets actually operate.
Built across multiple markets — the US, UK, and CIS region. Broad exposure to how global financial institutions and markets actually operate.
Built across multiple markets — the US, UK, and CIS
region. Broad exposure to how global financial
institutions and markets actually operate.
BANKING
BANKING
BANKING
Bank owner — 100% shareholder
Bank owner — 100% shareholder
Bank owner — 100% shareholder
Owned and operated a bank as its sole shareholder. The
only perspective rarer than working inside a bank is
owning one — complete visibility into how banking
institutions operate from the inside.
Owned and operated a bank as its sole shareholder. The only perspective rarer than working inside a bank is owning one — complete visibility into how banking institutions operate from the inside.
Owned and operated a bank as its sole shareholder. The only perspective rarer than working inside a bank is owning one — complete visibility into how banking
institutions operate from the inside.
INSTITUTIONAL
INSTITUTIONAL
Hedge fund partner
Hedge fund partner
A move into institutional investing — understanding how
money is managed at a level of precision and discipline
ordinary clients never see.
A move into institutional investing — understanding how
money is managed at a level of precision and discipline
ordinary clients never see.
A move into institutional investing — understanding how money is managed
at a level of precision and discipline
most private bank clients never see.
SWITZERLAND
SWITZERLAND
Swiss wealth management
Swiss wealth management
Working inside Swiss wealth management — seeing first-hand how custody models, fee structures, and client relationships actually operate, and where the real gaps are.
Working inside Swiss wealth management — seeing first-hand
how custody models, fee structures, and client relationships actually operate, and where the real gaps are.
Working inside Swiss wealth management — seeing first-hand
how custody models, fee structures, and client relationships actually operate, and where the real gaps are.
MONACO
LIVING THERE
MONACO
LIVING THERE
MONACO
LIVING THERE
Asset management company — founder
Asset management company — founder
Founder of an asset management company based in Monaco — the accumulated experience behind everything on this channel.
Founder of an asset management company operating internationally. Based in Monaco — the accumulated experience behind everything on this
channel.
Founder of an asset management company operating internationally. Based in Monaco
— the accumulated experience behind everything on this channel.
Topics
What the channel covers.
What the channel covers.
📊
Portfolio construction — how to actually do it
How to build a portfolio that matches your situation — not a generic model. Asset allocation, diversification, rebalancing, and the principles institutional investors actually use.
🔄
Investor vs trader — who you are and what that means
The mindset difference between investing and trading is fundamental — and most people confuse the two. Understanding which approach fits your personality, time, and situation changes everything.
🎯
Investing at every stage of life
The right portfolio for a 30-year-old accumulating wealth looks nothing like the right portfolio for someone living off investments at 55. Stage-by-stage frameworks — how risk, structure, and income strategy should shift.
💰
Living off investments vs growing a portfolio
Two completely different problems. If you have regular income and invest monthly, your strategy is one thing. If your portfolio is your income, it's another. Both covered in detail.
📈
Markets, stocks, and my personal views
Individual stock analysis, market observations, and honest commentary on what's happening — where I see opportunity, where I see risk, and how I'm thinking about it. Not advice, but a real perspective.
🏦
How banks and wealth managers really make money
Custody fees, trading commissions, management fees, retrocessions — mapped out clearly. What your private bank is actually earning from your portfolio, and how to close that gap.
🏗
Investment structures
AMCs, PPLI, certificates, SPVs — how institutional-grade tools can be applied at the individual level for significantly better tax and cost outcomes.
🌍
Tax structures, residency, and cross-border investing
How tax-efficient jurisdictions work — Monaco, Switzerland, UAE — currency exposure, cross-border complexity, and what these decisions actually mean for your after-tax returns.
💡
The investor mindset — what nobody teaches
The practical knowledge that separates people who understand money from people who only earn it — discipline, decision-making under uncertainty, and how to think about risk like a professional.
🏗
Investment structures
AMCs, PPLI, certificates, SPVs — how institutional-grade tools can be applied at the individual level for significantly better tax and cost outcomes.
🌍
Tax structures, residency, and cross-border investing
How tax-efficient jurisdictions work — Monaco, Switzerland, UAE — currency exposure, cross-border complexity, and what these decisions actually mean for your after-tax returns.
💡
The investor mindset — what nobody teaches
The practical knowledge that separates people who understand money from people who only earn it — discipline, decision-making under uncertainty, and how to think about risk like a professional.
🏗
Investment structures
AMCs, PPLI, certificates, SPVs — how institutional-grade tools can be applied at the individual level for significantly better tax and cost outcomes.
🌍
Tax structures, residency, and cross-border investing
How tax-efficient jurisdictions work — Monaco, Switzerland, UAE — currency exposure, cross-border complexity, and what these decisions actually mean for your after-tax returns.
💡
The investor mindset — what nobody teaches
The practical knowledge that separates people who understand money from people who only earn it — discipline, decision-making under uncertainty, and how to think about risk like a professional.
Who this is for
Who this is for
Who this is for
You’ve built real savings — your first hundred thousand, or a few million. And you suspect the industry serving you is overcharging and under-explaining. You’re right. I spent my career inside that industry — Swiss wealth management, a hedge fund, my own asset management firm — and on this channel I show you, from the inside, how the wealthy actually structure their money. Whether you’re just past your first big milestone or managing serious wealth, the principles are the same. Only the number of zeros changes.
You’ve built real savings — your first hundred thousand, or a few million. And you suspect the industry serving you is overcharging and under-explaining. You’re right. I spent my career inside that industry — Swiss wealth management, a hedge fund, my own asset management firm — and on this channel I show you, from the inside, how the wealthy actually structure their money. Whether you’re just past your first big milestone or managing serious wealth, the principles are the same. Only the number of zeros changes.
You’ve built real savings — your first hundred thousand, or a few million. And you suspect the industry serving you is overcharging and under-explaining. You’re right. I spent my career inside that industry — Swiss wealth management, a hedge fund, my own asset management firm — and on this channel I show you, from the inside, how the wealthy actually structure their money. Whether you’re just past your first big milestone or managing serious wealth, the principles are the same. Only the number of zeros changes.
FREE RESOURCES
FREE RESOURCES
Download. Read. Keep.
Download. Read. Keep.
Free PDF guides covering everything on the channel in depth — real numbers,
real steps, no fluff. Enter your email and download instantly — you’ll also get my follow-up notes by email.
Free PDF guides covering everything on the channel in depth — real numbers,
real steps, no fluff. Enter your email and download instantly — you’ll also get my follow-up notes by email.
FREE GUIDE — RETIREMENT
FREE GUIDE — RETIREMENT
Retiring in Monaco With €1
Million
Retiring in Monaco With €1
Million
The Complete Guide — by Georgy
The Complete Guide — by Georgy
Available now — free
Everything in the video, plus the numbers
your financial adviser won't give you
upfront. Real costs, real investment
structure, real healthcare breakdown.
Everything in the video, plus the numbers
your financial adviser won't give you
upfront. Real costs, real investment
structure, real healthcare breakdown.
Everything in the video, plus the numbers
your financial adviser won’t give you
upfront. Real costs, real investment
structure, real healthcare breakdown.
Full residency process, step by step
Monthly budget — single and couple
AMC structure explained simply
Healthcare — the sole trader route
The 10-year compounding picture
Full residency process, step by step
Monthly budget — single and couple
AMC structure explained simply
Healthcare — the sole trader route
The 10-year compounding picture
Full residency process, step by step
Monthly budget — single and couple
AMC structure explained simply
Healthcare — the sole trader route
The 10-year compounding picture
Download free →
You'll also be notified when new courses launch.
You'll also be notified when new courses launch.
You'll also be notified when new courses launch.
📊
📊
🏦
The Private Bank Fee Trap — and How
to Escape It
A breakdown of exactly what private banks
charge, how the AMC structure works, and a
step-by-step guide to separating your
residency banking from your investment
management.
Coming soon — subscribe to be notified
How to Structure Your Portfolio — at Every Stage of Life
A practical framework for building and managing your portfolio depending on your age, income situation, and whether you're
accumulating or living off
investments.
Coming soon — subscribe to be notified
Coming soon — subscribe to be notified
Coming soon — subscribe to be notified
FREE GUIDE — MONACO
FREE GUIDE — MONACO
How to Move to Monaco — The Complete Guide
The Complete Guide — by Georgy
The Complete Guide — by Georgy
Available now — free
The full residency process, step by step. Bank requirements, Carte de Séjour timeline, real costs, and the mistakes most people make.
The full residency process, step by step. Bank requirements, Carte de Séjour timeline, real costs, and the mistakes most people make.
Full residency process, step by step
Bank requirements and what banks actually expect
Real costs — rent, healthcare, monthly living
The mistakes most people make
Download free →
You'll also be notified when new courses launch.
You'll also be notified when new courses launch.
You'll also be notified when new courses launch.
FREE RESOURCE
Free Investment Thesis Notes
Free Investment Thesis Notes
The analytical frameworks behind my positions — companion pieces to the videos, free to download.
Get the Notes
FREE GUIDE
The 5 Most Expensive Money Mistakes I Made
A free guide from someone who spent his career inside the financial industry:
MONACO RESOURCE HUB
MONACO RESOURCE HUB
Everything you need to know about Monaco residency.
Everything you need to know about Monaco residency.
Everything you need to know about Monaco residency.
A curated collection of official sources, practical steps, real estate portals, and
contacts — based on firsthand experience living here. Links go to government websites,
regulated bodies, and verified resources.
A curated collection of official sources, practical steps, real estate portals, and
contacts — based on firsthand experience living here. Links go to government websites,
regulated bodies, and verified resources.
THE RESIDENCY PROCESS
THE RESIDENCY PROCESS
Find accommodation first
Find accommodation first
You cannot apply without a signed lease or property deed in Monaco. This comes before everything else.
You cannot apply without a signed lease or property deed in Monaco. This comes before everything else.
Open a Monaco bank account
Open a Monaco bank account
Open a Monaco bank account
Required for the application. Expect €500K–€1M minimum as a starting point at most banks.
Required for the application. Expect €500K–€1M minimum as a starting point at most banks.
French long-stay visa (non-EU only)
French long-stay visa (non-EU only)
French long-stay visa (non-EU only)
Non-EU nationals must apply at the French consulate in their home country first. EU nationals skip this step.
Non-EU nationals must apply at the French consulate in their home country first. EU nationals skip this step.
Submit your Carte de Séjour application
Submit your Carte de Séjour application
Submit your Carte de Séjour application
At Monaco Residents' Services. Background check required — clean record, no exceptions.
At Monaco Residents' Services. Background check required — clean record, no exceptions.
Receive your Carte de Séjour
Receive your Carte de Séjour
Receive your Carte de Séjour
1 year → 3 years → 10 years. Timeline from start to card: 2 to 6 months.
1 year → 3 years → 10 years. Timeline from start to card: 2 to 6 months.
OFFICIAL LINKS
OFFICIAL LINKS
Monaco Public Service — Residency
Monaco Public Service — Residency
Monaco Public Service —
Residency
monservicepublic.gouv.mc ↗
monservicepublic.gouv.mc ↗
How to Apply for a Residence Permit
How to Apply for a Residence Permit
How to Apply for a Residence Permit
monservicepublic.gouv.mc ↗
monservicepublic.gouv.mc ↗
CCAF — Financial Regulator
CCAF — Financial Regulator
CCAF — Financial Regulator
ccaf.mc ↗
ccaf.mc ↗
Chambre Immobilière de Monaco
Chambre Immobilière de Monaco
Chambre Immobilière de Monaco
chambre-immobiliere-monaco.mc ↗
chambre-immobiliere-monaco.mc ↗
Monte-Carlo Real Estate
Monte-Carlo Real Estate
Monte-Carlo Real Estate
montecarlo-realestate.com ↗
montecarlo-realestate.com ↗
Want all of this as a single PDF?
Want all of this as a single PDF?
Want all of this as a single PDF?
The free Monaco guide covers residency, real costs, investment structure, and healthcare — all in one document.
The free Monaco guide covers residency, real costs, investment structure, and healthcare — all in one document.
The free Monaco guide covers residency, real costs, investment structure, and healthcare — all in one document.
Licensed Banks Operating in Monaco
Licensed Banks Operating in Monaco
Factual list only — not a recommendation. Always verify with the CCAF directly.
Factual list only — not a recommendation. Always verify with the CCAF directly.
Licensed Banks Operating in Monaco
Factual list only — not a recommendation. Always verify with the CCAF directly.
Bank
Category
Category
PRIVATE & WEALTH MANAGEMENT BANKS
PRIVATE & WEALTH
MANAGEMENT BANKS
CMB Monaco
CMB Monaco
Private banking
Private banking
CFM Indosuez Wealth Management
CFM Indosuez Wealth Management
Wealth management
Wealth management
Bank Julius Baer (Monaco) S.A.M.
Bank Julius Baer (Monaco) S.A.M.
Private banking
Private banking
Edmond de Rothschild (Monaco)
Edmond de Rothschild (Monaco)
Private banking
Private banking
UBS (Monaco) S.A.
UBS (Monaco) S.A.
Wealth management
Wealth management
EFG Bank (Monaco) SAM
EFG Bank (Monaco) SAM
Global Private banking
Global private banking
Banque Pictet & Cie (Europe) AG
Banque Pictet & Cie (Europe) AG
Asset & wealth management
Asset & wealth management
Union Bancaire Privée (UBP)
Union Bancaire Privée (UBP)
Private banking
Private banking
Andbank Monaco S.A.M.
Andbank Monaco S.A.M.
Private banking
Private banking
Banque Richelieu Monaco
Banque Richelieu Monaco
Private banking
Private banking
Barclays Bank PLC Monaco
Barclays Bank PLC Monaco
Private banking
Private banking
Banque J. Safra Sarasin (Monaco) SA
Banque J. Safra Sarasin (Monaco) SA
Private banking
Private banking
Banque Havilland (Monaco) SAM
Banque Havilland (Monaco) SAM
Private banking
Private banking
Rothschild & Co Wealth Management Monaco
Rothschild & Co Wealth Management Monaco
Private banking
Private banking
Banca Popolare di Sondrio (Monaco)
Banca Popolare di Sondrio (Monaco)
Private banking
Private banking
RETAIL & CORPORATE BANKS
RETAIL & CORPORATE BANKS
Société Générale Monaco
Société Générale Monaco
Retail banking
Retail banking
BNP Paribas Monaco
BNP Paribas Monaco
Corporate & retail
Corporate & retail
Crédit Agricole Monaco
Crédit Agricole Monaco
Corporate & retail
Corporate & retail
LCL (Le Crédit Lyonnais)
LCL (Le Crédit Lyonnais)
Retail banking
Retail banking
Banque Populaire Méditerranée
Banque Populaire Méditerranée
Corporate & retail
Retail & private banking
Caisse d'Epargne Côte d'Azur
Caisse d'Epargne Côte d'Azur
Retail banking
Retail & private banking
La Banque Postale
La Banque Postale
Corporate & retail
Retail banking
SA Lyonnaise de Banque
SA Lyonnaise de Banque
Retail banking
Retail banking
THE COURSE
THE COURSE
How to Structure Your Investments Like the Wealthy Do
How to Structure Your Investments Like the Wealthy Do
I'm building a full course covering portfolio structure, drawdown strategy, fee reduction, and the institutional tools most investors never access. Join the waitlist — early bird pricing guaranteed for everyone on the list.
I'm building a full course covering portfolio structure, drawdown strategy, fee reduction, and the institutional tools most investors never access. Join the waitlist — early bird pricing guaranteed for everyone on the list.
WHERE THIS IS GOING
WHERE THIS IS GOING
What's being built.
What's being built.
What's being built.
NOW
Channel
Channel
Authority website live
YouTube channel launched
Building audience & email list
Private consultations available — georgy@the-efficient-life.com
Interactive tools live
Free guides available — Monaco retirement & residency
Authority website live
YouTube channel launched
Building audience & email list
Private consultations available — georgy@the-efficient-life.com
Interactive tools live
Free guides available — Monaco retirement & residency
Next — 6 to 12 months
First digital product
First digital product
Flagship course on asset structure
Downloadable guides & templates
Flagship course on asset structure
Downloadable guides & templates
LATER
Membership & community
Membership & community
Private membership community
Live investor Q&A sessions
Online courses library
Private membership community
Live investor Q&A sessions
Online courses library
What the financial industry knows — but doesn't tell you
This website and all content published on it are strictly educational and informational in nature. Nothing on this website constitutes financial
advice, investment advice, tax advice, legal advice, or any form of solicitation. The author is not licensed to provide financial advisory
services to the general public. Any asset management activities are conducted exclusively through a separate entity registered and
authorised in the Cayman Islands, operating solely with qualified professional investors. By accessing this website you confirm you
understand and accept these terms.
© 2026 Georgy — The Efficient Life
🇲🇨 Monaco
Master your money.
Build your life.
This website and all content published on it are strictly educational and informational in nature. Nothing on this website constitutes financial advice, investment advice, tax advice, legal advice, or any form of solicitation. The author is not licensed to provide financial advisory services to the general public. Any asset management activities are conducted exclusively through a separate entity registered and
authorised in the Cayman Islands, operating solely with qualified professional investors. By accessing this website you confirm you understand and accept these terms.
© 2026 Georgy — The Efficient Life
🇲🇨 Monaco
What the financial industry knows — but doesn't tell you
This website and all content published on it are strictly educational and informational in nature. Nothing on this website constitutes financial
advice, investment advice, tax advice, legal advice, or any form of solicitation. The author is not licensed to provide financial advisory
services to the general public. Any asset management activities are conducted exclusively through a separate entity registered and
authorised in the Cayman Islands, operating solely with qualified professional investors. By accessing this website you confirm you
understand and accept these terms.
© 2026 Georgy — The Efficient Life
🇲🇨 Monaco