Protect and grow your financial assets with our team

Our Services

Account opening with our network of banks and custodians

Opening an account with a bank or custodian involves several steps that may vary depending on the institution's policies and regulations in their country or jurisdiction.

Here are some general steps where our team will work with you:

Research and selection of the bank or custodian, before opening an account, you need to identify a bank or custodian that suits your needs. Factors to consider include the institution's reputation, fees, services offered, and location.

Gathering the required documentation, the bank or custodian will require specific documentation to open an account. This typically includes KYC (Know your customer) , source of funds, risk profile, proof of identification (passport), proof of address, such as a utility bill or bank statement, and your tax identification number.

It's important to note that each bank or custodian may have specific requirements or processes for opening an account.

Discretionary asset management

A discretionary mandate is a type of investment management agreement where the investment manager has the discretion to make investment decisions on behalf of the client without prior approval. The investment manager is given a range of guidelines, but ultimately has the authority to make trades and investment decisions based on their professional judgment. This type of mandate allows for more flexible and proactive management of a client's investment portfolio.

Investment advice

An advisory mandate is a type of agreement between a client and a financial advisor, where the advisor provides advice and recommendations to the client regarding investment decisions. The client retains ultimate control over their investments and makes the final decision on whether to follow the advisor's advice. The advisor's role is to provide expert guidance and to help the client make informed choices.

Access to best in class investments

Access to best in class investments typically refers to the ability for investors to invest in a diverse range of high-quality investment products that have a strong track record of performance and are managed by experienced investment professionals. These investments may include stocks, bonds, mutual funds, exchange-traded funds (ETFs), and other securities. By having access to a wide range of investment options, investors can build diversified portfolios tailored to their risk tolerance and investment objectives.

Access to the best hedge funds

Hedge funds are a type of alternative investment vehicle that pools capital from investors to invest in a diverse range of assets with the goal of generating high returns. Unlike traditional investments such as stocks and bonds, hedge funds can invest in a wide range of assets, including derivatives, currencies, commodities, and real estate.

Many hedge funds have high minimum investment requirements and are only available to accredited investors.

Hedge funds are known for their use of various investment strategies, including long/short equity, global macro, event-driven, and quantitative strategies. Hedge fund managers often use leverage, or borrowed money, to amplify returns, but this can also increase risk.

Hedge funds are not regulated in the same way as traditional investments, and they are subject to fewer restrictions on investment strategies and disclosure requirements.

Buying and selling of securities

Trading of securities refers to the buying and selling of financial instruments such as stocks, bonds, options, futures, and other securities.

There are several ways to trade securities, including through a brokerage firm, online trading platforms, or directly through a stock exchange. Investors can buy or sell securities on an exchange or over-the-counter (OTC) market, which is a decentralized market where securities are traded directly between two parties.

Custody and settlement services

A bank or a custodian is a financial institution or entity that holds and safeguards securities and other assets on behalf of clients. The main role of a custodian is to ensure the safekeeping of assets and to perform administrative tasks, such as recordkeeping and the settlement of trades.

Banks and Custodians

Disclaimer : Firmus Financial Inc has entered into an agreement for Independent Asset Manager with the above Financial Institutions and does not act as an agent, representative, employee or proxy for the above Financial Institutions.

Meet Our Team

Miguel Gonzalez


Miguel Gonzalez, co-founder, serves as member of the Board of Directors and CEO at Firmus Financial Inc and is a licensed executive principal and broker-dealer by the SMV, the Superintendency of the Security Market of Panama. He graduated from the University of Geneva in Switzerland with a degree in Economics and a degree in Law. In 1994 he began his career in banking at Compagnie de Gestion et de Banque Gonet, as client relationship manager. In 1997, he continued this role at Pictet Bank & Trust Ltd. in Nassau, Bahamas. He would later become the Bank’s Vice-President and Director of Pictet Overseas Trust Corporation. Then in Nassau, he worked 14 years at Syz & Co. Bank and Trust Ltd. as Managing Director and Member of the Board of Directors of several companies of the Group Syz. During that time, he contributed to the growth of the assets under management of the Bank as well as its team. Moreover, he served as a Member of the Board of Directors of both the Bahamas Financial Services Board (2006-2010) and the Association of International Banks & Trust (2012-2015). In 2013, he became a Member of the Society of Trust and Estate Practitioners (STEP).

Ana Maria Jadid-Gonzalez


Ana María Jadid-Gonzalez, co-founder, serves as member of the Board of Directors and COO at Firmus Financial Inc and is a licensed broker-dealer by the SMV, the Superintendency of the Security Market of Panama. She graduated with a bachelor’s degree in marine biology from Jorge Tadeo Lozano University in Colombia and with a master’s degree in biology from the University of Geneva in Switzerland.

Laura Jurado


Laura Jurado serves in middle-office operations (account openings, trading and broker-dealer functions) at Firmus Financial Inc and is a licensed executive principal and broker-dealer by the SMV, the Superintendency of the Security Market of Panama. She graduated with a bachelor’s degree in public accounting from Universidad Dr. Rafael Belloso Chacín in Venezuela and undertook graduate studies in tax management from Universidad Rafael Urdaneta. At the University of California, Irvine Extension and Aden International Business School, she specialized in human resources and in compliance. With a work experience of over 14 years and combining the areas of finance, audit, and compliance, she has held multiple management positions.

Yariela Samaniego


Yariela Samaniego serves as compliance officer at Firmus Financial Inc and is a licensed executive principal and broker-dealer by the SMV, the Superintendency of the Security Market of Panama. She graduated with a degree in Economics from Universidad Nacional de Panamá. Certified money laundering risk manager in July 2021 and compliance officer ISO 37301 in October 2021 by the organization of risk management certification. Her professional career began as analyst at Bstocks Casa de Valores. Later in 2013,while at Winexco Securities she served as compliance officer, broker-dealer, and assistant of operations. In 2020, she became independent offering the following services as independent advisor to committee of ethics, risk, and compliance of Firmus Financial Inc and advisor to the fund latam real estate growth.

Anny Uzcátegui


Anny Uzcátegui serves in back-office operations (accounting and administrative functions) at Firmus Financial Inc. She graduated with degrees in administrative and managerial sciences from Universidad Tecnológica del Centro in Venezuela. Her past work experience includes holding positions as warehouse manager, inventory manager, office coordinator, purchasing manager, and accounting assistant.

Contact Firmus Financial Inc.

We’re here to help and answer any question you might have. We look forward to hearing from you

Firmus Financial Inc.

PH Times Square Center,
Offices 17 D-E, Costa del Este,
Av. Costa del Sol, Panamá City

+507 310 0625