Private Bank Course

Lesson 1 • The Private Banking Business Model

Defines private banking's revenue drivers, service scope, and competitive positioning. Anchors all subsequent chapters in the industry's economic logic.

Lesson 2 • Client Segmentation and Profiles

Examines how wealth tiers are defined and why segmentation drives service design. Enables advisors to match offerings to client complexity.

Lesson 3 • Core Services and Value Proposition

Maps the full spectrum of private banking services and their interdependencies. Clarifies how bundled offerings create client stickiness.

Lesson 1 • Life-Stage and Goal-Based Planning

Frames client needs within life-cycle milestones and time horizons. Connects short-term liquidity needs to long-term wealth preservation objectives.

Lesson 2 • Sources and Structures of Wealth

Explores how wealth is created, held, and transferred across different client archetypes. Provides context for tailoring advice to each client's wealth origin.

Lesson 3 • Risk Profiling and Tolerance Assessment

Covers quantitative and behavioral tools for measuring client risk appetite. Ensures investment recommendations align with documented risk profiles.

Lesson 1 • Performance Measurement and Reporting

Introduces return calculation methods, benchmarking, and attribution analysis. Equips advisors to interpret and present portfolio reports to clients.

Lesson 2 • Macroeconomic Drivers of Markets

Links interest rates, inflation, and economic cycles to asset class behaviour. Helps advisors contextualise market events within client portfolio reviews.

Lesson 3 • Investment Vehicles and Wrappers

Distinguishes mutual funds, ETFs, separately managed accounts, and structured products. Enables advisors to select appropriate vehicles for each client's tax and liquidity needs.

Lesson 4 • Portfolio Construction Principles

Applies diversification, correlation, and efficient frontier concepts to client portfolios. Bridges theory to the practical allocation decisions made in advisory meetings.

Lesson 1 • Tax-Efficient Wealth Management

Covers tax planning principles applicable to investment income, capital gains, and wealth transfers. Enables advisors to identify tax-saving opportunities within client portfolios.

Lesson 2 • Insurance in Wealth Planning

Evaluates life, disability, and liability insurance as risk-transfer tools within a wealth plan. Shows how insurance fills gaps that investment portfolios cannot address.

Lesson 3 • Business Succession Planning

Focuses on exit strategies, ownership transfer, and liquidity events for business-owner clients. Integrates with investment and estate planning to ensure seamless transitions.

Lesson 4 • Estate Planning and Wealth Transfer

Addresses wills, beneficiary designations, gifting strategies, and inheritance planning. Prepares advisors to coordinate with legal counsel on intergenerational transfers.

Lesson 1 • Structured and Bespoke Credit Solutions

Introduces tailored credit facilities for complex client needs such as art financing and aviation loans. Demonstrates how bespoke lending differentiates private banking from mass-market credit.

Lesson 2 • Role of Credit in Private Banking

Explains why wealthy clients borrow and how credit enhances overall wealth strategies. Positions lending as a core advisory tool rather than a standalone product.

Lesson 3 • Real Estate and Mortgage Lending

Examines residential, commercial, and investment property financing for private clients. Links mortgage structuring to broader portfolio and tax planning considerations.

Lesson 4 • Credit Risk Assessment and Monitoring

Teaches how to evaluate client creditworthiness and monitor ongoing loan performance. Ensures advisors can flag deteriorating credit quality before it becomes a bank risk.

Lesson 1 • Anti-Money-Laundering Controls

Covers transaction monitoring, suspicious activity reporting, and internal escalation procedures. Equips advisors to act as the first line of defence against financial crime.

Lesson 2 • Suitability and Appropriateness Standards

Applies regulatory suitability frameworks to investment recommendations and product sales. Ensures every client interaction is defensible under conduct-of-business rules.

Lesson 3 • Conflicts of Interest Management

Identifies common conflicts in private banking and the controls used to manage them. Protects client trust and satisfies regulatory disclosure requirements.

Lesson 4 • Know Your Client and Onboarding

Details the end-to-end client onboarding process including identity verification and source-of-wealth documentation. Establishes the compliance baseline for all client relationships.

Lesson 1 • Building Trust with Wealthy Clients

Examines the psychological and behavioural foundations of trust in advisory relationships. Provides techniques for establishing credibility quickly with new clients.

Lesson 2 • Client Segmentation and Service Models

Aligns service intensity and contact frequency to client value and complexity tiers. Enables efficient resource allocation without sacrificing relationship quality.

Lesson 3 • Wallet Share Growth and Referrals

Teaches strategies for deepening existing relationships and generating introductions to new clients. Directly links relationship quality to business development outcomes.

Lesson 4 • Portfolio Review and Advisory Meetings

Structures effective review meetings that reinforce advice value and uncover new opportunities. Connects meeting discipline to client retention and referral generation.

Lesson 1 • Sustainable and Impact Investing

Integrates environmental, social, and governance criteria into private client portfolios. Responds to growing client demand for values-aligned investment strategies.

Lesson 2 • Strategic Business Development

Equips senior advisors with tools to build a sustainable private banking practice. Links personal brand, market positioning, and pipeline management to long-term growth.

Lesson 3 • Multi-Generational Wealth Strategies

Addresses the unique challenges of preserving and transferring wealth across generations. Prepares advisors to engage next-generation family members as future clients.

Lesson 4 • Integrated Wealth Planning for Complex Clients

Synthesises investment, tax, legal, and credit inputs into a single coherent wealth plan. Demonstrates the advisor's role as orchestrator of a multidisciplinary team.