Our Approach

Our goal is to be a trusted advisor and partner to our clients, offering personalized and customized wealth plans

Goals Based Approach to Wealth Management

We follow a goals-based approach to wealth management. Our priority is to understand what our clients’ financial goals and objectives are and what is most important to them. Our client discovery process, and deep ongoing relationship, allows us to gain a clear understanding of what is required to help our clients achieve their goals. Our commitment to our clients is clear in everything that we do.

We always act independently and objectively when recommending wealth planning strategies, and we are consistent and transparent with our clear management fee structure. As discretionary portfolio manager, we aim to align our personal investments with those of our clients to ensure that we are fully committed to their long-term success.

Our client-centered approach ensures that we are always putting our clients first, and we are constantly working to better understand their goals and objectives.

Investment Management Philosophy

We believe that a well-diversified investment plan should consist of an allocation to traditional asset classes (stocks, bonds, and cash) and an allocation to alternative asset classes (real estate, commodities, or alternative strategies). Like several well recognized pension plans and endowment funds, we believe that this diversified approach to investing should help deliver strong risk-adjusted returns to our clients over the medium to long term. We believe that a sharp focus on asset allocation can help our clients mitigate risk and achieve their goals.

Our investment philosophy involves a disciplined approach to investment analysis and portfolio construction, with a strong emphasis on risk management. We believe in following a bottom-up and fundamental approach to investing, and we apply intense analysis to all portfolio holdings. We follow an evidence-based approach to security selection, rather than speculation or market trends. As important as we believe it is to apply this rigorous approach to each holding, we believe in adhering to a total portfolio approach to ensure that each holding is suitable based on the context of an overall plan.

We have designed model portfolios that are engineered to help our clients align their investment plans with their desired goals. We can tailor the asset allocation to our clients’ investment objectives, required rate of return, and ability and willingness to tolerate market volatility. We feel strongly about the importance of being invested alongside our clients, so we aim to invest in our own model portfolios.

During our initial client discovery meeting, and in our regular review meetings, we will closely assess each individual’s investment objectives, risk tolerance level, and investment experience.

Investment Objectives
  • Why are we investing these funds? What are the goals and objectives that we are trying to achieve?
  • Return objectives – What is the required rate of return for the capital?
  • Asset-liability matching – Is there a need for current income from the portfolio?
  • What asset classes are suitable to meet the investment objectives?
Investment Constraints
  • Time horizon – When are the funds in the investment plan required?
  • Risk tolerance – What is the ability and willingness of the investor to tolerate volatility within the plan?
  • Liquidity needs – Are there any known, short-term liquidity needs required from the portfolio?
  • Taxation – A look at how taxation within the investment plan will impact the overall rate of return.
Investment Experience and Investment Knowledge
  • We will assess your experience investing in the capital markets and your knowledge level regarding various asset classes.
  • We want to know your sensitivity to market fluctuations in the short term.