Philosophy
We seek first and foremost to understand the client following which creative solutions are sought to meet their needs and objectives. Understanding both the client’s financial and personal exposures as well as their unique objectives and attitude to risk is central to our robust wealth management.
01
Begin the
Process
We view ourselves as our client’s Financial Director. This involves preparing a set of personal financial statements that provide an overview of worldwide assets and liabilities, including business interests and lifestyle assets. We then examine these holdings more closely to determine the underlying exposures to various asset classes and associated risks, in the context of the client's circumstances, requirements and objectives.
02
Portfolio
Structure
Once familiar with the client’s circumstances and requirements, we will structure a portfolio that is optimised to achieve the stated objectives without assuming unnecessary risk. This ideal portfolio will be agreed upon and arrived at over time whilst taking advantage of tactical opportunities that may present themselves.
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03
Portfolio Implementation and Inflation
We believe time in the market is more important than timing the market. Cash is rarely considered an efficient asset class in the long-term as it is often eroded by inflation and does not benefit from capital growth. We will carefully construct and implement portfolios in line with an agreed upon strategy, where values are hedged against inflation risks.This ensures future earnings are protected in real terms.
04
Evolving Client Circumstances
The client's current and future jurisdictions will be considered in our recommendations. This can have a significant impact on estate planning.
Flexibility and common sense prevail over a static formula.
05
Comprehensive
Reporting
We conduct regular reporting in the form of personal financial statements that provide a summary of the client’s current financial position and the performance of assets which are critically analysed and changes made where necessary.
Our Services
Comprehensive wealth management requires various disciplines and expertise which complement each other in order to achieve a skilfully curated outcome which is constantly evolving to remain successful.
Estate
Planning
Arranging for the financial and tax-efficient disposition and management of one's estate at death through the use of wills, trusts, insurance policies, and other products.
Investment
Management
The strategic and tactical positioning of a client’s assets to meet pre-determined goals using a variety of investment vehicles.
Fiduciary
Services
Services which entrust one to act on behalf of a client. Being a fiduciary practitioner thus requires being bound both legally and ethically to act in the client's best interests.
Trust
Administration
Administration and management of the assets, distributions, and filings of a trust. Including fiduciary services, investment management and administration, tax planning and accounting services.
Investment
Administration
The administrative and investment reporting function in order to constantly assess that a client’s financial plan is in good order.
Financial
Planning
A comprehensive evaluation of an individual's current assets, liabilities, cashflow and financial goals in order to build a financial road map for themselves and their family.
Retirement
Planning
Determining retirement income goals and what's needed to achieve those goals. Retirement planning includes identifying income sources, sizing up expenses and managing assets and risk. Future cash flows are estimated to gauge the sustainability of the retirement income goal.
Tax
Planning
The analysis of a wealth management plan to ensure that all elements work together to allow for the most tax efficient outcome. Considerations of tax planning include the timing of income, source of income ad setting up to correct investment structures at inception.
Accounting
Services
Compiling and managing accounts and financial statements for individuals and entities.