Wealth Management Strategies

The process of grouping clients based on shared characteristics like age, income, risk tolerance, and financial goals.

Creating personalized wealth management plans for different client groups.

A set of rules and procedures aimed at stopping criminals from hiding illegally earned money as legitimate income.

The initial step of money laundering, where illegal money is introduced into the financial system.

The stage of money laundering where the source of illegal funds is disguised through a series of complex transactions.

The final stage of money laundering, where money is reintroduced into the economy as seemingly legitimate funds.

The practice of verifying a client's identity and ensuring the legality of their funds.

The ongoing monitoring of financial transactions to detect unusual patterns that might indicate money laundering activities.

A legal process for individuals or businesses unable to repay their debts, allowing for debt relief or reorganization under court supervision.

A type of bankruptcy where a business is terminated and its assets are sold for salvage value.

A type of bankruptcy allowing a struggling business to continue operating under a court-approved restructuring plan.

A law in the Philippines providing a comprehensive framework for dealing with financially distressed individuals and businesses, offering options of reorganization or liquidation.

Leveraging technology to enhance the detection of suspicious financial activities and reduce false alarms.

Sharing information between financial institutions and law enforcement to combat money laundering.

Analyzing data to identify patterns and trends that could indicate money laundering activities.

Ensuring financial institutions use standardized and updated systems to simplify compliance reporting.

Two or more companies combine to form a single new entity. Both original companies cease to exist, merging their resources, operations, and management into the new company. It's often done to achieve synergies, expand market reach, or reduce competition.

Multiple companies merge to create a single, new entity. Unlike a merger, which typically involves two companies, consolidation can involve several companies coming together. The goal is often to improve efficiency, reduce costs, and strengthen market position by pooling resources and capabilities.

A legal process that stops creditors from pursuing debt collection actions while the debtor files for bankruptcy protection. It provides temporary relief from debt obligations and allows for restructuring or repayment.

This happens when a debtor's assets are sold by a court-appointed trustee and the proceeds are used to pay creditors. It's a process designed to discharge all dischargeable debts. It's usually employed in Chapter 7 bankruptcy.

This happens when a debtor and creditors work together to restructure debt repayment. It may involve a modified payment plan, interest rate changes, or other adjustments. It's usually employed in Chapter 13 bankruptcy.

A legal process that combines two or more companies into one larger entity, with the original companies ceasing to exist.

A legal process where one company absorbs another, with only one surviving company.

The boards of directors of all participating companies must formally approve the merger or consolidation plan.

Shareholders representing a majority of the outstanding shares must vote to approve the merger or consolidation plan.

A comprehensive document outlining the details of the merger or consolidation, including names of companies, terms, and share conversion details.

The SEC reviews the merger or consolidation plan to ensure it complies with laws and regulations and is fair to all stakeholders.

All assets and liabilities of the original companies are transferred to the surviving or new company in a merger or consolidation.

Shares of the original companies are converted into shares of the new or surviving company, or otherwise disposed of according to the plan.

Reducing costs by sharing resources, eliminating redundant departments, and streamlining operations.

A larger audience to reach with products or services.

Combining expertise and resources to develop new products or services.

The difficult process of combining different corporate cultures, systems, and employees.

Losing jobs due to redundancy or restructuring after a merger or consolidation.

Securing legal approval and navigating potential lawsuits related to the merger or consolidation.

A state where a company or individual cannot generate enough income to meet their financial obligations.

A consistent lack of cash flow, even after normal dips and fluctuations.

Regularly missing payments or forgetting bills, indicating an inability to pay.

A business showing signs of financial distress due to increased costs, decreased sales, and a lack of control over expenses.

A decrease in profits, often due to declining sales or rising expenses.

Expenses increasing disproportionately to sales, leading to smaller profit margins.

Inability of a business to pay its bills on time due to insufficient funds.

A company's inability to manage its inventory effectively, leading to excess stock and potential financial loss.