Munish Randev

The emotional part of investing is the most underestimated and often the most alien part of the job for most wealth managers. After 30 years across banking, institutional advisory, product management, and the last 11 years as a Family Office Advisor, I've learned that managing a family's wealth is as much about EQ as IQ.A quick snapshot: - Leading a team that has collectively advised 130+ Family Offices with over USD 4.5 Bn in financial assets-

30 years in investments, including as Chief Investment Officer, across ABN AMRO, Fidelity, Avendus and Waterfield Advisors- SEBI Registered Investment Adviser — Pure Advisory, zero commissions, zero product manufacturing ties - Guest Faculty at select institutions - Background in Economics, Mathematics & Business Management, the foundation for the leading economic indicator and portfolio-response models we build for clientsWhy Pure Advisory matters:CERVIN doesn't manufacture or distribute investment products, and we have no commercial relationship with any product manufacturer. We don't earn commissions for pushing products or investment banking deals. We earn fees clients pay us for the Expertise, Experience & Integrity we bring to the table. That's the whole model. What 30 years of market cycles has taught me:I've watched markets from the seat of a wealth manager, a banker, an institutional portfolio advisor, a product manager, and now a family office advisor

and each of those seats reacts to bull and bear markets very differently. What's taught me the most, though, isn't the market moves themselves, it's watching how families respond to them. Understanding a client's fears, regrets, ego and real risk appetite (not just their stated risk appetite) is what separates a good advisor from a good technician. The job isn't just about portfolios. The real risks for a family often live in succession, legacy, governance and conflict — and every period of extreme bullishness or bottomless crash is an opportunity if you have a strategy for it going in, rather than reacting to it after the fact. If you're building, running, or rethinking a family office

and want an Experienced Advisory team with zero conflicts of interest, I'd welcome the conversation. Reach out, or visit cervinfamilyoffice.com