Wealth management
One view of everything you own, owe and intend
Ongoing coordination of investments, tax, protection, property and succession, so that decisions stop being taken in isolation.
The problem
Households above a certain level of complexity are rarely under-advised. They are advised in pieces: a bank relationship, an insurance policy bought years ago, an accountant who sees the tax return but not the portfolio, a property held in a structure nobody has revisited.
Each piece may be defensible alone. Together they duplicate risk, leave obvious gaps, and cost more in tax and fees than anyone has added up.
Our approach
We start by adding it up — every asset, liability, policy, structure and commitment in one document. That exercise alone routinely produces findings: the cover that duplicates an employer policy, the two goals competing for the same surplus, the structure set up for circumstances that no longer apply.
What follows is a written plan with the assumptions stated, so you can disagree with them. You keep it whether or not you engage us to implement any of it.
What we help with
- Consolidating scattered holdings into a single, intelligible position
- Setting an asset allocation that follows from your timeline rather than from recent performance
- Coordinating tax across income, capital gains, property and business
- Reviewing protection against the liabilities and goals that actually exist
- Planning liquidity so a good asset is never sold at a bad moment
- Preparing the estate and succession position before it becomes urgent
Who this is for
- Households whose finances have outgrown a product-by-product approach
- Professionals with significant income and little time to coordinate it
- Business owners whose personal and corporate finances are entangled
- Families who want the next generation prepared rather than surprised
How it works
- 01
Discovery
A conversation about what the money is for, what you hold, and what worries you.
- 02
Analysis
We map the balance sheet, cash flow, protection and tax position, then model the goals against them.
- 03
Plan
A written plan with assumptions stated, trade-offs explained and actions sequenced.
- 04
Implementation
We execute what you approve, in the order that matters most, documenting each decision.
- 05
Review
Positions, assumptions and goals are revisited on a set schedule and whenever circumstances change.
What changes as a result
Decisions that fit together
Each choice is made with the others in view, rather than in a separate conversation.
Assumptions you can argue with
Every projection states the return, inflation and horizon it used.
Fewer surprises
Liquidity, tax and protection are planned before they are needed rather than after.
What this is not: a discretionary portfolio service, a product distribution arrangement, or a promise about returns. We are paid by you for advice, and we tell you when a piece of work is not worth its fee.
Questions
Before you get in touch
How often do we meet?
Typically twice a year for a formal review, plus whenever something changes materially. Between reviews you can reach us without a meeting.
Do you take custody of assets?
No. Your assets remain in your own accounts in your own name. We advise and, where you ask us to, implement.
Schedule a confidential consultation
Forty-five minutes, no obligation, and no charge. If we are not the right firm for what you need, we will say so and point you somewhere better.
Anything you share is held in confidence. We ask only for what we need to prepare for the conversation — never account numbers or login details.
Related services
- Family office servicesGovernance, consolidated reporting and administration for families whose affairs have outgrown individual management.
- Investment managementPortfolio construction against stated objectives, with the reasoning written down and the costs disclosed.
- Portfolio planningAllocation, rebalancing policy and risk budgeting for an existing portfolio.