How we operate
Understanding your spending patterns and lifestyle needs…
We try and understand your financial needs through analysing your spending patterns and lifestyle needs and wishes, rather than make you rate your risk tolerance on a scale. Most money managers ask you how much money you are comfortable losing in any one year (this is what is called volatility in financial jargon). Well, in our experience no one likes to lose money (including ourselves) and our method is to keep risks low while we achieve returns that are suited to your immediate spending needs and long-term goals. .
..to build a bespoke portfolio…
If you have an existing portfolio, again we will not change anything but we will conduct a comprehensive audit to make sure you are invested in the best assets that are beneficial to your future income needs. Ensure that your investments are the best in class and comply with your tax status. In most cases we can save clients substantial amounts by auditing their bank accounts, management fees and past trades. We would recommend this exercise for anyone with large assets especially at private banks.
…you can control and understand
Our aim is to give you control and confidence that your wealth is being managed efficiently. In a nutshell our role is to construct a bespoke portfolio of well-diversified and well researched assets with input from all the relevant advisors be it tax or legal as your circumstances and regulations can change frequently. We constantly monitor and analyse the portfolio, as well as the advisors, and report to you in real time or on a regular basis.