Our history
Three partners, a London office and one conviction: quality banking advice should not be reserved for the ultra-wealthy.
Our mission
B.A.I.F was founded in 1999 by three former executives from Societe Generale Private Banking who wanted to do things differently: fees based on advice, not commission, and complete freedom in choosing recommended products.
In 27 years, we have supported 18,743 clients - business owners, professionals, families in wealth transition. Our average portfolio size is 380,000. We don't try to manage everything: we manage what we understand well.
1999
Year founded
9
Offices in Europe
3,8 Mds
Assets under management as at 31/12/2025
18 743
Active clients
347
Employees
What defines us
Our fees are fixed and known in advance. No retrocessions, no in-house products. If we don't recommend a product, it's because we don't believe in it - not because it pays us less.
Each of our advisors is FCA certified and completes a minimum of 35 hours of training per year. We don't assign a client to a junior advisor who "develops skills" at their expense.
Average client relationship length at B.A.I.F: 11 years. We design our strategies for the long term, not to optimise quarterly reporting.
The team
Recognised professionals from the world's leading financial institutions.
Chairman & CEO
Co-founder. Former Head of Private Banking at Societe Generale (1991-1999). Secondment at the Bundesbank in 1996.
Managing Director
Joined B.A.I.F in 2003 after 7 years at BNP Paribas Wealth. Multi-asset strategy specialist and family client expert.
Chief Investment Officer
CFA since 2004. 14 years in European equity fund management at Amundi before joining B.A.I.F in 2017.
Chief Compliance & Risk Officer
Former FCA inspector (2005-2013). Has led GDPR, AML and MiFID II compliance policy since joining in 2014.
Our journey
Three partners, a lease on Faubourg-Saint-Honore, and 45 clients brought from their former positions. First profitable year by December.
Opening of two offices to support expatriate clients. Assets under management rose from 180M to 410M in eighteen months.
B.A.I.F did not sell structured products linked to subprime mortgages. Net loss of 4 clients out of 1,200. Average portfolio declined 11%, vs -34% for the CAC 40.
Launch of the first client portal with real-time reporting. Developed in-house, with no external provider, to maintain data control.
Creation of a dedicated crypto custody and allocation desk, after 18 months of team training. Deliberate refusal to enter during the 2020 bull run.
18,743 active clients, 347 employees, 9 offices. Revenue grew 6.3% for the year, driven by net inflows.