Why We Are Different
Our Services
Starting from scratch, we designed services to match real client needs, not to fit into existing industry pigeon holes.
The range of services we offer is built on the same core skills but meets the different ways clients want them applied to their own needs.
These skills combine the financial planning and investment expertise normally only found in separate firms having different core activities — a separation that has served clients badly.
The services combine experienced judgement, financial modelling and risk modelling of the kind used by institutional investment consultants.
Each service focuses on high-level strategic decisions because these most determine outcomes and best facilitate risk management. The industry typically presents this ‘upside down’ because it can more easily excite customers and generate sales revenue by encouraging the popular misconception that investment is about ‘clever’ people and ’sexy’ products rather than about portfolio construction, risk management and the ’systematic’ attributes of public markets.
We work in a collaborative way because that transfers the power over outcomes to our clients. Other financial advisors may also talk about empowering their customers, but in reality their business models depend on a high degree of standardisation, calling for passivity on the part of clients.
We implement clients’ plans and portfolios using the best available third-party products and services. We have no vested interest in a particular product or solution.
We leave assets free to be held wherever clients prefer, or wherever is most cost-effective for them. Our sophisticated IT solutions then help them aggregate the data about their overall financial positions. Once again, this is different from most financial services providers, who tend to try to save money for themselves by holding all assets in one place (such as on a ‘platform’), invariably at considerable cost to their customers.
