01
Fixed income
Sovereign and corporate bonds selected one by one on our own credit analysis, balancing yield, duration, credit quality and diversification.
Registered Investment Adviser · CRD 169636
Global wealth management, built around you.
From Miami, we manage portfolios for individuals and families around the world — investing across every asset class, one security at a time, with your assets held at institutional U.S. custodians.
- Clients worldwide
- All asset classes
- English & Spanish
Client assets are held at institutional custodians such as
- Years of market experience of our founder
- 40
- Asset classes: bonds, equities, options, alternatives
- All
- Institutional custodians we work with
- 7
- Advice and reporting in your language
- EN · ES
Global reach
Clients around the world. One team in Miami.
Wherever you live, your portfolio is built and managed by the same team, invested in U.S. dollars and held at institutional U.S. custodians — with advice and reporting in English or Spanish.
Head office · Miami
Some of the countries where we can serve you
and many other countries · Tap or hover a highlighted country
Services are subject to the laws of each client’s country of residence and to the custodian’s eligibility requirements, so availability varies by country.
Model portfolios
Three frameworks. One built for you.
Illustrative portfolios that show how we typically structure mandates for different risk profiles. Your own portfolio is always built around your situation.
~15%Equities
Conservative
Income & preservation · Horizon 3–10 yrs
- Investment-grade corporate bonds71%
- Quality large-cap equities15%
- Short-term bonds (under 1 yr)8%
- Cash & money market4%
- International IG bonds2%
~60%Equities
Moderate
Balanced · Horizon 5–10 yrs
- Broad U.S. equity index exposure45%
- Corporate bonds (IG & HY)37%
- Quality single-name equities15%
- Cash & money market3%
~85%Equities
Aggressive
Long-term growth · Horizon 10+ yrs
- Growth & high-conviction equities50%
- Thematic equity exposures21%
- Corporate bonds15%
- Small-cap & emerging names12%
- Cash & tactical reserve2%
Illustrative frameworks only — not actual client accounts and not a representation of past or future performance.
For every stage of life
Solutions for every age and every nationality.
Whether you are starting to invest or planning what you will leave to the next generation, we build the portfolio around where you are today — with flexible minimums.
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Ages 20–40
Building wealth
For professionals and entrepreneurs who are starting to invest: a disciplined, diversified portfolio that grows with you.
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Ages 40–60
Growing a family
Balanced portfolios that pursue long-term growth while planning for education, property and other family goals.
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Ages 60+
Income in retirement
Portfolios built around steady income, capital preservation and the liquidity you need.
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Every generation
Legacy & next generation
Coordinated with your attorneys and accountants to help your wealth pass to the next generation in an orderly way.
Independent advice
Why an independent adviser instead of a bank advisor?
Many of our clients come from private banks. This is what changes when your advisor works for you, not for an institution.
- Who the advisor works forYou. As fiduciaries, we are obligated to act in your best interest.
- How the advisor is paidAn advisory fee disclosed in writing. No sales commissions.
- What is recommendedIndividual bonds and stocks from the whole market. No proprietary products.
- Where your assets are heldAt the custodian you choose: J.P. Morgan, UBS, BNY Mellon, RBC and others.
- Accounts at other banksConsolidated into one view.
- Who you talk toThe same senior team that manages your portfolio, 24/7.
- Credit, margin & trading costsRates we negotiate with the custodians, passed on to you.
Typical bank advisor
- Who the advisor works forThe bank, whose products and targets may come first.
- How the advisor is paidOften a mix of fees, commissions and product incentives.
- What is recommendedFrequently the bank’s own funds and structured products.
- Where your assets are heldOnly at that bank.
- Accounts at other banksUsually outside the advisor’s view.
- Who you talk toA relationship manager who may change over time.
- Credit, margin & trading costsThe bank’s standard pricing.
Comparison of typical structures, for illustration. Individual banks and advisors differ.
Institutional pricing
Our size works in your favor.
Because we bring our clients’ assets together, we negotiate rates with our custodian banks that an individual investor rarely obtains alone — and we pass those terms on to our clients.
Credit lines
Preferential rates on credit lines backed by your portfolio.
Margin
Negotiated margin rates when you borrow against your investments.
Trading
Negotiated trading and execution costs on your transactions.
Rates and terms are set by each custodian and depend on the account, the client and market conditions.
How we invest
Every asset class. One portfolio, built for you.
- Government bonds
- Corporate bonds
- High yield
- Equities
- ETFs
- Options
- Alternatives
- Cash
01
02
Equities
Selected through our own quantitative models, combining fundamentals, technicals and internal rankings.
03
Options & alternatives
Used when they fit your mandate — options to hedge risk or enhance income, and alternative investments for diversification.
04
Ongoing oversight
We monitor credit events, markets and your mandate, supported by technology and reviewed by our team.
High-yield bonds, options and alternative investments carry additional risks, including loss of principal, and are not suitable for every investor. Their use depends on each client’s objectives and risk tolerance.
Proprietary technology
Research and monitoring, built in-house.
We develop our own technology for investment research and portfolio monitoring. It lets our team analyze markets and follow every client portfolio more closely — and spend its time on judgment, not spreadsheets.
- 01
Bond research & optimization
Analysis of credit quality, yield and duration, and optimization of allocations within each client’s parameters.
- 02
Quantitative equity screening
Models that rank companies on fundamentals and technicals to support our stock selection.
- 03
Portfolio monitoring
Alerts on credit events, price moves and drift from your mandate, reviewed by your advisor.
Our technology, including AI-assisted tools, supports but does not replace our advisors’ judgment: every recommendation is reviewed by our team. Models depend on data that may be incomplete or inaccurate and on assumptions that may not hold, which can lead to errors. Some tools use third-party data and software. See Form ADV Part 2A, Items 4 and 8.
Leadership
Freddy Martínez
Founder, President & CEO
Freddy founded FOREM in 2013 after a 27-year career as a portfolio manager and senior advisor at Merrill Lynch and UBS.
Every FOREM client speaks directly with the team that makes the decisions on their portfolio. No call centers. No rotating advisors.
Our commitment
A relationship, not a transaction.
Personal attention
Every portfolio is built from scratch around your objectives, horizon, risk tolerance and tax situation. Nothing is off-the-shelf.
Available 24/7
Markets don’t keep office hours, and neither do we. You can reach the people who manage your portfolio any day, at any hour.
We come to you
Our team travels several times a year to meet our clients in person, wherever they live.
Your interests first
We do not sell proprietary products or earn sales commissions. We are compensated through an advisory fee disclosed in writing.
Is your portfolio truly aligned with your goals?
Request a tailored proposal. No commitment, no cost, no sales pressure.