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FAQ
The VIES Guarantee is provided by the individual non-EU/EEA business for its own position. The Italian VAT fiscal representative guarantee is provided by the Italian professional or company acting as fiscal representative. Its amount depends on the total number of represented parties.
Yes. They are separate obligations and can coexist.
The minimum guarantee limit is EUR 50,000.
At least 36 months from its delivery to the competent Provincial Directorate of the Italian Revenue Agency.
Under the Ministerial Decree of 4 December 2024, it does not need to be renewed once the minimum period has expired.
When representing at least two parties. A fiscal representative with a single represented party must submit the declaration of requirements, but no guarantee is required.
It ranges from EUR 30,000 to EUR 2,000,000, depending on the number of represented parties.
At least 48 months from its delivery to the competent Provincial Directorate of the Italian Revenue Agency.
A new guarantee must be provided for the higher guarantee limit. A new minimum period of 48 months starts from its delivery.
Yes. The law allows an insurance surety bond, as well as a bank guarantee or a deposit of Italian government securities or State-guaranteed securities.
No. The guarantee limit is the maximum amount of the guarantee. The premium is the cost of the policy. It is set by the insurance company after the underwriting assessment.
No. Issuance is subject to the insurance company’s assessment and approval.
It depends on the risk assessment. The insurance company may require co-obligors, personal guarantees or security over assets, a deposit or other safeguards.
The absence of financial statements does not automatically lead to rejection. However, it requires alternative documentation and a more in-depth assessment.
No. Falzarano Broker is an insurance intermediary. Tax advice and obligations towards the Italian Revenue Agency are the responsibility of the fiscal representative and the professionals appointed by the client.
Documentation can be handled in Italian or English. The website is designed to be translated into Simplified Chinese and other languages.
Financial Planning Support
Yes! Are you halfway to retirement and need a solid plan? About to change jobs or have a pending marriage or divorce? Saving for a child’s education? We will build you a customized financial plan that will help you reach your goals and map out your financial future until age 95, and beyond.
Beratung Financial has been recognized six years in a row as one of the “Top 10 Financial Advisors in New York, ” beating out thousands of other wealth management firms. This award was bestowed upon us in recognition of our comprehensive approach to financial planning and our robust investing strategies. We are here to advise you on any aspect of your life that is touched by money. We consider all the topics outlined in the chart, below, to ensure that you have a secure financial future.
Your financial plan is a living, breathing document. For most of our clients, we update their financial plan each year.
Yes! Our interactive, easy-to-use software solution will allow you to stay on top of your finances as never before. You will be able to see all your bills and money at a glance on your custom Beratung Financial client dashboard. You can effortlessly track your spending and check your account balances in real time.
We’re committed to keeping your data secure, and use multiple safety measures, like secure encryption. We are serious about security, and work to keep your information protected.
To learn more about your Beratung Financial Client Dashboard: Click Here
Investment Management Support
As independent, fee-only, fiduciary advisors, we have access to thousands of investment solutions and can objectively choose the best investments to help you reach your goals. We partner with the top research firms to thoroughly vet every investment that we recommend for your portfolio. Beratun Financial also uses a disciplined process to add and remove investments from your portfolio, along with rebalancing the mix of stocks and bonds that is right for you. We structure portfolios for the long term, so that you can live your best life – now and in the future. The financial markets have been as unpredictable as ever, so you need a seasoned professional by your side who can build you a resilient portfolio that can adjust for the changing tides and protect your money. Beratung Financial is here for you!
Beratung Financial offers both financial planning and investment management. If you want only stand-alone financial planning, then we’re probably not the right fit.
In addition to the Certified Financial Planner™ designation, our advisors are also Certified Divorce Financial Analyst® professionals. A CDFA® is an expert on the financial facets of divorce and plays a critical role in making sure that you are financially secure during and after your divorce.
Getting Started
Finding a top wealth management firm to trust with your money and financial future is just as important as finding a good doctor. You want someone you can trust, who has your best interests at heart, and takes the time to get to know you. Let’s get started!
Please click on the link to our calendar or call our office at 292-3454-9008, and our team will set up your initial complimentary consultation. In this meeting, we will review your full financial picture, and evaluate if we are the best financial advisor for you.
You still have a question?
If you cannot find answer to your question in our FAQ, you can always contact us. We will answer to you shortly!
