We provide private clients, wealth advisers, trusts and charities with the opportunity to use unbiased advice on how differing investment styles and approaches can be blended to deliver the highest probability of meeting investment objectives. And we do this backed by years of data collection and careful analysis.
For some people numbers never lie; for others there are lies, damned lies and statistics. We believe that performance statistics are the bedrock on which investment decisions should be built. However, it is by combining the cold hard facts with qualitative judgements based on experience and gut-feelings that we can reach sensible conclusions.
Most private clients want to keep pace with the equity markets on their way up and match returns from cash when equity markets are falling. Unfortunately stock markets cycles are notoriously difficult to predict and, unless a risk profiling exercise is undertaken, investors tend to end up adopting a "balanced" multi-asset class approach as an unsatisfactory compromise.Risk Profiling
Once an investment objective is determined, it needs to be translated into a strategic asset allocation. The allocation should reflect the risk budget agreed. Our view is that although there are many asset classes, there are only three sources of return: economic growth, money lending, and manager skill. At the heart of designing an asset allocation is a decision on emphasis between these fundamentals.Asset Allocation
Once an investment manager has been appointed, investors need to know whether performance is in line with expectation. Our approach places particular emphasis on identifying early warning signals of potential trouble ahead. We also provide a clear escalation procedure, with manager change as the ultimate resort rather than the initial reaction.
Clients engage us to provide continuing support and provide peace of mind that their affairs are under constant examination and assessment. This can take the form of monthly, quarterly or at the very least, annual reporting.
The same investment consulting service is available as an ad-hoc package with no ongoing commitment. Most commonly used where there has been a wealth event and clients require guidance to ensure new future objectives are met.
A wealthy family, with their own family office, had suffered a mixed experience with investment managers. There was no recognised investment expertise within the family office and the individual family members preferred to arrange their own investment affairs. Over time, the structure of the family’s wealth became fragmented with a…