Everyone likes to succeed in investing. Millions of investors depend on investment
success to assure their security in retirement,to provide for their children’s education,
or to enjoy better lives. As investment professionals, when the services we
offer help investors achieve their realistic longterm objectives, ours can be a noble profession.
– Charles Ellis, Chairman of the Whitehead Institute, Massachusetts
Families face common challenges when organising their finances and investments, such as living within their means, saving for retirement, investing within an appropriate risk mandate, and being tax aware. Learn More →
They also introduce their own particular mix of lifestyle choices, investment goals and preferences, and financial experience. We provide a framework to consider conscious preference and gaps in their planning. We provide advice on risks they might not have considered, and on how to mitigate the important risks.
Financial services professionals are schooled in particular philosophies and processes, based upon their academic background and work experience.
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We believe that establishing a process that is well grounded in theory, and yet intuitive and practical enough for our clients to assess is important. We therefore provide analysis where it is beyond the interest, experience, or capability of our clients, and try to educate our clients to a point of comfort about this analytical process’ merits.
The best laid plans and strategies are guaranteed to be tested at some point, and how one reacts to developments that were not expected, or which pose a significant risk to required outcomes, can have a meaningful impact.
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Our management is designed to be proactive, in identifying possible outcomes that are not as probable, but concerning. We diversify strategies, select specialist managers, and introduce qualitative criteria to support a long-term view. However benchmarking provides us with the ability to assess whether the plan, its components, and our expectations are still on track. This process is complex and time consuming, and the value add that warrants an on going management fee.
Our core skill is the ability to suggest the appropriate capital allocation choice at any point in time, provided we have sufficient client context.
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Without true understanding of a client’s needs, as they develop and change, our advice becomes less appropriate or valuable. We have designed our business to encourage as much involvement of our clients within their strategy and our process. We provide whatever transparency a client requires around decision making within our discretionary mandates.