Published on and written by Cyril Jarnias
The Belgian real estate market has much to offer: it’s rich, dynamic, with highly varied property profiles, from Brussels to the coast, through Wallonia and Flanders. But for an individual, an investor, or an expatriate, it can quickly become confusing. Rules change from one region to another, business practices are not always transparent, and the financial stakes are considerable. In this context, choosing a competent local agency clearly makes all the difference between a smooth transaction and a path littered with obstacles.
The Belgian real estate landscape is segmented: you’ll find national networks, niche players, luxury specialists, agencies for expatriates, and commercial real estate experts. The choice of partner depends on the city, the type of property, and your profile. It’s crucial to understand how fees and country-specific commission models work.
How a Local Real Estate Agency Works in Belgium
In Belgium, there is no legally imposed fee schedule for real estate agents’ commissions. Each agency sets its own prices freely, which creates strong competition… but also great heterogeneity. For the sale of a residential property (house, apartment), the most common commission revolves around 3% of the sale price, excluding VAT. In practice, ranges from 2% to 5%, also excluding VAT, are observed, with a tendency to apply a higher percentage on less expensive properties.
The real estate agent’s commission is subject to the standard 21% VAT. It is usually paid by the seller upon signing the final notarial deed, and the agent is only paid in case of a successful sale. It is possible, although rare, to negotiate a sharing of costs between the buyer and the seller. If the buyer signs a specific search mandate with an agency, then they are responsible for the payment.
For rentals, the common practice is different: the agency commission usually equals one month’s rent, plus 21% VAT. This commission is most often the tenant’s responsibility, unless stated otherwise in the listing or by specific agreement. Some agencies, which provide property management services, charge additional fees of about 2% of the annual rent, VAT not included.
Price charged per square meter for an appraisal report without a mandate, excluding additional costs like photography or listings.
In this unregulated fee environment, the key is transparency: the mandate must detail in black and white the commission percentage, services included, any potential fees, and the duration of the commitment. It is possible – and recommended – to negotiate these elements before signing. Giving an exclusive mandate can be an argument for obtaining a lower rate, but overly long durations lock the seller in with a single contact who is not always effective.
Why Choose a Local Agency Over an Online Platform
In recent years, online agencies and “low-cost” models have burst onto the Belgian market, promising substantial savings. These virtual players, sometimes called PropTech, promote fixed-rate packages ranging from about €700 to €4,000, sometimes paid upfront regardless of the success of the sale. Some platforms also advertise single-rate packs, regardless of the property’s price. This is the case, for example, with BrickSquare, which offers flat-rate packages at €5,900, €7,900, or €14,900 including VAT, claiming to save sellers an average of €7,500 compared to traditional commissions.
Compared to dematerialized offers, local real estate agencies remain the majority. Their commission is typically proportional to the sale price (between 2% and 5% excluding VAT) and their payment is conditional on the success of the transaction. Their main strength lies in their in-depth knowledge of the local fabric: neighborhoods, market prices, and key players (notaries, contractors, building managers, banks).
Where online platforms focus on self-service, digital tools (virtual tours, dashboards), and sometimes geographically distant call centers, local agencies offer personalized follow-up, a dedicated contact, and a physical presence where you can walk through the door. For a first-time buyer, an inexperienced seller, or an expatriate unfamiliar with Belgian practices, this difference is decisive.
Traditional real estate agencies offer a full service, handling the entire sales process from appraisal to signing the deed, including managing unforeseen issues. In contrast, some online services often limit themselves to listing and forwarding contact details, leaving the selling owner to handle organizing viewings and conducting negotiations, akin to a do-it-yourself kit.
The choice between digital and local therefore depends on several factors: budget, available time, affinity for technology, prior experience in real estate, and the complexity of the case. But in a fragmented Belgian market, where cities, municipalities, regions, and nuanced rules coexist, local roots remain a central criterion.
Major National Networks: A Countrywide Network
Several groups structure the Belgian landscape with networks covering a large part of the country. Their strength lies in a well-known brand, shared tools, and a network that allows them to follow a client across different projects and regions.
CENTURY 21 Benelux and CENTURY 21 Ever One
CENTURY 21 Benelux presents itself as the largest network of real estate agencies in Belgium. Founded in 1993 and based in Brussels, the group brings together many franchised agencies, each legally independent but operating under the same commercial banner. The network highlights its ability to closely follow market trends and offer services at hourly rates below €25.
The agency stands out for its particular focus on customer satisfaction and was awarded a Quality Award in 2018.
Offers classic services of sale, appraisal, and property enhancement (home staging).
Personalized support adapted to the specifics of the Brussels real estate market.
Awarded a Quality Award in 2018, strengthening its credibility with sellers and buyers.
Phone number to contact the agency: 02 / 241 21 21.
ERA, ERA Châtelain and a Highly-Mediaized Network
Another market giant, ERA is a network of real estate brokers founded in 1994 and based in Aartselaar. With between 250 and 999 employees, ERA holds an important place in Belgian residential real estate. The network has also become known to the general public via the television show “Blind Gekocht,” in which ERA broker Béa Vandendael assists buyers.
In Brussels, ERA Châtelain embodies the network’s local roots well. The agency has three sales points close to the center, in Ixelles, Schuman, and Uccle, allowing it to cover the most sought-after neighborhoods in the capital. It assists clients in buying and selling houses, apartments, rental buildings, or land, and can be reached at 02 / 535 98 98.
TREVI, an Integrated Residential and Commercial Group
Founded in 1980, TREVI is an integrated group active in both residential and commercial real estate in Belgium and Luxembourg. With nearly 160 employees and 35 partners, the network offers a full range of services: sale, rental, appraisal, property management, and building management.
TREVI operates partly through local partner agencies (38 offices nationwide), such as in Ghent or Antwerp. The TREVI agency in Antwerp, opened in 2013, illustrates this model well: it uses advanced marketing tools (professional photos, virtual tours), offers free appraisals, and covers municipalities like Antwerpen, Deurne, Geel, Merksem, or Wijnegem. In East Flanders, an office in Ghent targets municipalities like Gentbrugge, Ledeberg, Merelbeke, Sint-Martens-Latem, Destelbergen.
Dewaele Vastgoedgroep and the De Patrimonie Service
Dewaele Vastgoedgroep, based in Izegem and founded in 1983, is another structuring player, particularly present in Flanders. The De Patrimonie branch focuses on investment real estate, both residential and commercial, with a selection of well-located properties for investors. The group stands out for its expertise in Flemish regional markets and its ability to support a long-term wealth strategy.
Luxury Specialists: Prestige in Brussels, Antwerp, and Beyond
The Belgian high-end segment is particularly active in major cities, especially Brussels and Antwerp, as well as in certain affluent municipalities of Walloon Brabant and Flemish Brabant. Several international players share this market, each with a strong positioning.
Sotheby’s and SOTHEBY’S Brussels
Sotheby’s, founded in 1976 for its real estate arm, gives Belgium access to a worldwide network of high-net-worth clients. The brand has offices in Brussels, Antwerp, and Lasne and operates nationwide. It focuses on prestige properties: villas, townhouses, penthouses, luxury apartments.
In Brussels, SOTHEBY’S Brussels helps clients find houses, apartments, penthouses, and villas in the capital’s coveted neighborhoods. The agency can be reached at 02 / 640 08 01. Client reviews mention a particularly professional service, a responsive team, excellent market knowledge, and a “bespoke” approach for high-end cases, including for clients arriving from abroad.
BARNES Brussels and Barnes International
BARNES, founded in 1997, boasts more than 600 employees and more than 10 different professions in luxury (transaction, financial advice, etc.). BARNES Brussels specializes in prestige properties in Brussels and surrounding municipalities: contemporary villas, character apartments, investment buildings, penthouses.
With more than 20 years of experience, the Brussels branch relies on a highly structured international network, making it a key partner for sellers seeking international visibility, or foreign buyers looking for a base in Brussels. The agency can be contacted at 02 / 880 15 15.
Brussels branch of the agency
Engel & Völkers: A Global Giant Well-Established Locally
Engel & Völkers, founded in 1977, combines local roots and a global network of over 1,000 locations in more than 35 countries. In Belgium, the brand is very present: Brussels, Bruges, Antwerp, Ghent, Liège, Leuven, Waterloo, Brasschaat, Kapellen, Braine-l’Alleud, Kalmthout, etc. The Belgian headquarters is located at Chaussée de Waterloo 1173 in Uccle (1180 Brussels), reachable at +32 2 880 40 21.
This is the number of employees of the Brussels entity of the brand, giving it critical mass for structured services while remaining accessible.
Knight Frank and Christie’s Real Estate Belgium
Knight Frank, founded in 1896 and based in Brussels, focuses on long-term client relationships and personalized advice, with international clout (between 1,000 and 9,999 employees). The firm handles high-end properties and more complex assets, positioning itself at the intersection of residential and investment.
Christie’s Real Estate Belgium, backed by the Christie’s auction network, also targets the prestige clientele, offering an international relay for exceptional properties. Here too, the combination of local expertise and worldwide recognition attracts a wealthy clientele, both Belgian and foreign.
The table below summarizes some major luxury names present in Belgium.
| Agency / Group | Founded | Main Belgian Headquarters | Main Positioning |
|---|---|---|---|
| Sotheby’s (real estate) | 1976 | Brussels | National luxury real estate |
| BARNES International | 1997 | Brussels | Luxury, international network |
| Engel & Völkers | 1977 | Brussels (Uccle) | High-end residential, global |
| Knight Frank | 1896 | Brussels | Personalized advice, prestige |
| Christie’s Real Estate BE | n.d. | Brussels | Luxury, international network |
The Champions of Brussels: Expatriates, Neighborhoods, and Local Expertise
The Brussels-Capital Region, with its 19 municipalities, is a market apart. The presence of European institutions, NGOs, multinationals, and international schools generates strong residential demand, particularly for furnished or semi-furnished housing. Several agencies have specialized in this audience, or in specific segments of the Brussels market.
Brussels Key (BK), Expat Housing, and Agencies Dedicated to Expats
Brussels Key (BK) has been working with expatriates since 2015. The agency operates in all 19 Brussels municipalities for sales and rentals, with particular attention to furnished properties or those adapted for temporary stays. For sellers, BK offers appraisal, market analysis, home staging, organization of viewings, offer management, and investment advice. For landlords, it provides property management, creation of inventory reports, and obtaining energy performance certificates. BK also acts as a “home finder” for clients searching for accommodation.
The agency Expat Housing, located at Rue des Bollandistes 5 in Etterbeek (1040 Brussels), specializes in assisting expatriates. Its services include rental, sale, property management, and investment advice. It also offers help with property searches, assistance for owners, as well as decoration and furnishing services. The agency is registered under VAT number BE 0841.225.570 and its bank account is IBAN BE 88 0016 5755 9541.
Brussels Real Estate, with around twenty years of experience, started with the rental of furnished properties before diversifying into sales and property management. Its services encompass home staging, legal advice on tax and inheritance matters, property management, life annuities, building regularization, with free appraisals. Client testimonials come notably from Etterbeek, Uccle, Brussels, and Ixelles, which are the municipalities most in demand by expats and international executives.
There is also Sorimo, a family-owned Brussels company founded in 1975, which employs about fifteen people split between sales, rental, property management, and a legal department. All its agents are accredited by the Professional Institute of Real Estate Agents (IPI/BIV), which enhances client security.
Latour & Petit: Multi-Agency Network and a “Human” Approach
Latour & Petit illustrates another facet of the Brussels and suburban market. The brand has agencies in Woluwe-Saint-Lambert, Ixelles, Kraainem (Stockel), Waterloo, Namur, and Wavre. It therefore operates in both the capital, Walloon Brabant, and the province of Namur, with a positioning heavily oriented towards “human support”.
Latour & Petit offers a full range of real estate services (sale, rental, investment, purchase and rental setup) while prioritizing a local approach. The agency emphasizes personalized marketing, reasonable fees, and constant case follow-up. The culture of individual relationships is attested to by numerous client testimonials that mention their agents by name.
ERA Châtelain and Brussels Generalists
Beyond expat and luxury specialists, generalist network agencies like ERA Châtelain or CENTURY 21 Ever One structure a large part of the Brussels market. With branches in Ixelles, Schuman, and Uccle, ERA Châtelain covers key sectors like the European quarter, the affluent southern municipalities, or the lively neighborhoods of Ixelles.
Other agencies like Brikman, Sorimo, Property One, or You Real Estate (Rue du Bailli 11) also play a central role in certain neighborhoods, benefiting from their deep knowledge of streets, condominiums, and buyer profiles. Brikman is recognized for its long experience and negotiation mastery, with hundreds of transactions to its credit.
The following table synthesizes some key residential players in Brussels.
| Agency | Main Specialty | Key Areas in Brussels |
|---|---|---|
| Brussels Key (BK) | Expats, furnished, property management | 19 municipalities |
| Expat Housing | Expats, relocation, management | Etterbeek, EU quarters |
| Brussels Real Estate | Furnished, sales, management, life annuity | Etterbeek, Uccle, Ixelles, center |
| Sorimo | Sales, rental, management, legal | Brussels (several municipalities) |
| Latour & Petit | Sales/rental, local approach | Woluwe, Ixelles, Brussels periphery |
| ERA Châtelain | Sales, rental, ERA network | Ixelles, Schuman, Uccle |
| CENTURY 21 Ever One | Sales, home staging, appraisal | Brussels (east and northeast) |
Agencies in the Regions: Flanders, Wallonia, and the Coast
While Brussels concentrates a high density of agencies, the rest of the country is not left behind. Several local players dominate their area, sometimes with very niche specializations.
Zeedijk.be: The Coast and Frontline Sea Views
In Bruges, Zeedijk.be has specialized in a very precise niche: selling properties with frontline sea views, along the dike, ports, and river mouths. The agency has developed a specific sales formula for these highly sought-after properties, which often combine second homes, seasonal rental investment, and asset valuation. In a coastal market where the slightest detail of location (orientation, floor, facade width) strongly influences price, this hyper-local specialization is a real advantage.
Honesty: Wallonia and Customer Satisfaction
In Wallonia, the agency Honesty illustrates another regional model. It employs 45 people spread across 7 offices in Arlon, Virton, Libramont, Marche, Rochefort, Boncelles, and Bertrix. It offers sales, rentals, property management, concierge services, inventory reports, and free appraisals. Honesty claims a customer satisfaction rate 4.4% above the industry average, based on 729 reviews, and holds a REALADVICE label. Two numbers are highlighted: 061/29 24 14 and the enterprise number BE 0730 800 473.
Flemish Networks and Regional Agencies
In Flanders, large regional brands structure the landscape, notably:
Presentation of agencies and real estate groups active in Belgium, combining local expertise, extensive portfolios, and specialization in new builds.
Group particularly active in the west of the country, with its headquarters in Izegem and several branches.
Agency active in Turnhout, Herentals, Lommel and in the provinces of Antwerp, Limburg, and East Flanders, combining local expertise and volume.
Development structure specializing in new-build projects and turnkey Q-ZEN homes, with hundreds of properties in its portfolio.
Development structure specializing in new-build projects and turnkey Q-ZEN homes, with hundreds of properties in its portfolio nationwide.
These players, sometimes straddling the line between agency and developer, strongly influence the new-build and land market, particularly in suburban or rural municipalities.
Commercial and Business Real Estate: A Separate Ecosystem
Professional real estate, whether office, retail, logistical warehouse, or laboratory space, follows very different logics than residential. Belgium has a dense network of agencies specialized in this segment.
Aximas, ALLTEN, SWITCH Immo, PANORAMA, Mesh-immo
Aximas, with 25 years of experience, operates in Brussels, Flanders, and Wallonia, focusing on offices, retail, laboratories, distribution centers, and warehouses. Based in Brussels, the agency offers tailored advice to companies looking to establish, relocate, or optimize their real estate portfolio.
ALLTEN offers commercial properties for rent or sale in several strategic regions of Belgium, including Brussels, Walloon and Flemish Brabant, East Flanders, and the provinces of Namur, Liège, and Flanders. This broad coverage makes it a partner of choice for chains or companies in an inter-regional expansion phase.
SWITCH Immo, based in Brussels, positions itself as a major player in corporate real estate in the Brussels region, helping professionals sell, rent, or find office and commercial spaces. Mesh-immo, also Brussels-based, targets companies looking for office spaces, retail units, or industrial units, with a very B2B approach.
PANORAMA, founded in 2015, has bases in Bruges, Kortrijk, Ghent, and Zellik (along the R0 ring road). Its commercial real estate department, launched in late 2014, handles mixed-use home-work, logistical, industrial, and office properties, with coverage extending to western Belgium.
Retail Property & Investment Advisers, based in Waterloo, specializes exclusively in real estate solutions for the retail sector, covering shopping streets, shopping centers, and retail parks. This targeted expertise is a major asset for brands, as it brings in-depth knowledge of retail-specific issues, such as pedestrian flow analysis, parking optimization, and maximizing store visibility.
Structura.biz, TREVI, Property One: The Residential/Professional Boundary
Structura.biz was born in 2001 from the evolution of the Structura agency, created in 1989. The family-owned company split into Structura Residential and Structura Business Property, under the direction of Wouter de Neve for the residential side. This dual capacity allows it to assist its clients both with the sale of houses in the northern periphery of Brussels and with office spaces or mixed-use buildings.
TREVI, thanks to its residential/commercial integration, and Property One, more compact (2 to 9 employees) but versatile, also illustrate this crossover between private and professional use. In a country where many buildings are mixed-use (commercial ground floor, residential upper floors), this ability to manage both dimensions is significant.
The table below summarizes some key players in professional real estate.
| Agency / Group | Main Specialization | Areas Covered |
|---|---|---|
| Aximas | Offices, retail, logistics, warehouses | Brussels, Flanders, Wallonia |
| ALLTEN | Multi-region commercial real estate | Brussels, Brabant, Namur, Liège, Flanders |
| SWITCH Immo | Corporate real estate (offices, retail) | Brussels region |
| PANORAMA | Home-work, logistics, industrial, offices | West Flanders, Ghent, Zellik |
| Mesh-immo | Offices, retail, industrial (B2B) | Belgium (corporate-oriented) |
| Retail Property & Investment Adv. | Retail (shopping streets, centers) | Belgium (headquarters in Waterloo) |
| Structura.biz (Business Property) | Mixed-use buildings, offices, commercial | Northern periphery of Brussels |
Real Estate Portals and PropTech: The New Tools for Agencies
Local agencies no longer work in a vacuum. A large part of their visibility comes through national real estate portals and technology tools dedicated to the sector.
Immoweb, Immovlan, Zimmo, Immoscoop, Biddit
Immoweb is the best-known real estate portal in Belgium. It offers searches by property type (apartment, house, new project, land), for rent or sale, with advanced options (map search, virtual tours, filtering by Immoweb code). The site also allows users to find notaries, developers, and other professionals, estimate a property online, and access mortgage or fire insurance services. The interface is available in French, Dutch, and English, and covers the country’s main cities as well as properties abroad (France, Spain, Italy, Luxembourg, Netherlands).
Immovlan announces a portfolio of over 10,000 real estate properties.
Nodalview, SweepBright, Shayp and Real Estate Startups
A dynamic Belgian PropTech ecosystem has developed around agencies. Nodalview, founded in 2016, is used by over 2,300 agencies to produce high-quality photos, virtual tours, and immersive content. SweepBright, another 2016 startup, offers a commercial management solution for agents (CRM, lead tracking, automation). Shayp, created in 2017, tackles building water consumption and claims to be able to reduce it by 20% through leak detection.
Several Belgian companies illustrate the diversity of proptechs: RIALTO (platform for project exchanges), IMMO IQ (data analysis), Rockestate (real estate modeling and data), BePark (parking management), Beebonds (real estate crowdfunding), Trustup, Commuty, NEXOFAB™, Vizito and Portio. Their common role is to modernize the working methods of local real estate agencies, whether in marketing, building management, or ancillary services.
Understanding and Negotiating Fees in Belgium
Faced with a market without official rates, it is crucial to understand how Belgian agency fees are structured and how to compare them.
Residential sales are generally billed between 2% and 5% of the sale price, excluding 21% VAT. A house sold for €400,000 with a 3% commission will thus generate €12,000 in fees, plus 21% VAT, for a total of €14,520. Some agencies may propose higher rates for studios or small apartments to cover fixed, incompressible costs. Others adopt flat rates independent of the property’s value, like the €5,900, €7,900, or €14,900 VAT-inclusive packs from BrickSquare.
Total commission received by an agency for a rental of €1000 per month, including VAT.
Some agencies charge for specific services outside the base commission:
– start-up fees (photos, listings, plans, measurements),
– inventory report (e.g., €125 VAT inclusive, sometimes offered as part of a mandate),
– detailed appraisals without a mandate (pricing per m², e.g., €5.5 including tax/m²),
– withdrawal fees in case of early termination of the mandate.
Given this diversity, a few best practices are essential to effectively adapt to the different situations and contexts encountered.
– compare several agencies for the same property, not only on the commission rate, but also on the services included;
– verify in black and white in the mandate everything that is included or will be billed separately;
– negotiate the mandate duration, avoiding overly long exclusivities without performance clauses;
– take into account the property profile: an “easy” property to sell may be suitable for competition and a lower commission; an atypical or complex property often requires a highly specialized agency and sometimes justifies higher fees.
How to Choose Among the Best Local Real Estate Agencies in Belgium
Faced with an abundance of players – over 300 agencies listed in some directories, national networks, independents, commercial specialists, online platforms – the choice can seem overwhelming. However, a few criteria can help clarify things.
Reputation first: online reviews, recommendations from other clients (especially expatriates, if you are foreign yourself), quality labels, awards like the Quality Award won by CENTURY 21 Ever One or the REALADVICE label of Honesty. Next, experience with similar clients: an expatriate would do well to turn to Brussels Key, Expat Housing, or Engel & Völkers rather than a pure B2B industrial agency.
A quality agency must clearly explain all fees (commissions, extras, payment conditions) from the start and justify its added value through its network, the quality of its marketing, the time dedicated to cases, and its mastery of legal and administrative aspects.
Finally, communication: being able to communicate in your language, getting answers quickly, keeping the same contact throughout the process is essential. Agencies that operate in several languages – like HSM (French, English, German, Italian) or expat specialists – are particularly appreciated by international clients.
In all cases, it is recommended to meet physically or via video conference with at least two or three agencies before deciding, to ask them concrete questions (sales strategy, appraisal, tools used, average selling times) and to request examples of similar properties recently sold.
Conclusion
The best local real estate agencies in Belgium cannot be summed up by a simple “fixed top 10”. They form a rich ecosystem, where major national networks like CENTURY 21, ERA, or TREVI coexist with luxury specialists such as Sotheby’s, BARNES, Engel & Völkers and Knight Frank, focused players in commercial real estate like Aximas, ALLTEN or PANORAMA, and neighborhood agencies dedicated to their clientele, like Sorimo, Latour & Petit, or Brussels Real Estate.
In the absence of a legal fee schedule, prioritize service quality, fee transparency, negotiation ability, and local expertise over the displayed percentage alone. Online portals (Immoweb, Immovlan, Zimmo) and PropTech tools (Nodalview, SweepBright) are useful complements, but they do not replace the essential role of an on-the-ground agent.
When choosing an agency in Belgium, it’s less about finding “the best” in absolute terms than the one best suited to your project, your property, your city, and your profile. A successful transaction relies on an alliance: that of an informed client, aware of the rules of the game and fee levels, and a competent local professional, capable of transforming a complex market into a managed opportunity.
A French business owner, around 50 years old, with a well-structured financial portfolio already in Europe, wanted to diversify part of his capital into residential real estate in Belgium to seek rental yield and exposure to a dynamic neighboring market. Allocated budget: €400,000 to €600,000, without recourse to credit.
After analyzing several markets (Brussels, Antwerp, Liège), the chosen strategy consisted of targeting an apartment or townhouse in a neighborhood with strong rental demand, for example in Ixelles or near the center of Antwerp, combining a target gross rental yield of 5 to 6% (“the higher the yield, the greater the risk”) and potential medium-term appreciation, with a total ticket (acquisition + fees + light refresh) of about €500,000. The mission included: selection of the market and neighborhood, connection with a local network (real estate agent, notary, tax advisor), choice of the most suitable structure (direct ownership or via a Belgian wealth company) and definition of a diversification plan over time.
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Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.
On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.
Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.
