No hidden fees. No surprises. Everything you pay is disclosed before you sign. That's the foundation of real trust.
Depending on your situation, one or another applies. Always disclosed in advance.
Paid by the product provider (insurer, asset manager, bank) at subscription.
You pay Véloci directly for the advisory mission — no product commission.
Combination tailored to your situation. Fees for the review, commissions on implemented products.
The Engagement Disclosure Document is mandatory before any advice. It details: who Véloci is, credentials (ORIAS, CIF, IAS, IOBSP), exact compensation mode, potential conflicts of interest, complaint process. You receive it in writing before anything is set up — it's a MiFID II requirement.
On €100,000 invested over 15 years, here's the fee gap between a standard bank and an independent advisor.