Your goals first. The tools second.
Whether you are planning a retirement that will not run out of money, positioning a sudden windfall so it lasts, or building a multi-generational estate, we start with what you actually want and work backwards to the mix of products that will get you there.
Wealth planning services.
Bundled with asset management where they help, available as a separate engagement where they are the main need.
Financial planning
A clear written plan covering cashflow, savings, debt, insurance, retirement, and contingency. Updated annually, or whenever something material changes in your life.
Tax optimisation strategies
Asset location across taxable and tax-deferred wrappers, loss harvesting, gifting strategies, and timing of realisations. Designed in coordination with your tax adviser, never in place of one.
Estate and inheritance planning
Will design, beneficiary review, lifetime-gift planning, and the structural choices (trusts, holding companies, foundations) that determine how much of your estate reaches the people you want it to reach.
Trust management
Working with your trustee or our trust partners to invest trust assets in line with the deed, manage distributions, and coordinate annual reporting to beneficiaries and tax authorities.
Insurance planning
Life, disability, long-term care, and umbrella policies. Sized to the gap your other assets do not cover. We do not sell insurance products; we tell you what to buy and where.
Philanthropic and charitable giving
Donor-advised funds, private foundations, charitable remainder trusts. We help you design the giving vehicle, fund it tax-efficiently, and manage the grantmaking over time.
Generational wealth transfer
Lifetime gifting strategies, grantor trusts, intra-family loans, business-succession plans. Designed to move wealth efficiently while keeping the family relationships intact.
Family governance
For families holding wealth across multiple generations, a written family charter, regular family meetings, and a structured way to involve the next generation in the decisions that affect them.
Lifestyle and concierge planning
Coordination across the professional team you already have: tax adviser, lawyer, banker, insurance broker. One quarterback so you do not have to be your own.
Three real conversations we have with clients every week.
Most financial-services websites describe what they sell. We would rather describe what you might want, and how we get you there.
"I am twelve years from retirement and I do not want to outlive my money."
Longevity risk is the quiet killer of retirement plans. The average healthy 65-year-old today has a better than even chance of living past 85. Plans built on a 20-year horizon get embarrassed by a 30-year reality.
We build a glide path that combines disciplined risk reduction as you approach retirement with an income-generation sleeve that does not deplete principal in the way a pure-bond ladder does. Once you are drawing, we manage the sequence-of-returns risk that destroys more retirement plans than any other single factor.
"I just came into significant wealth and I want to be the 1 per cent, not the 99 per cent."
Lottery winners. Recent business sales. Inheritance. Equity that just vested. The data is unforgiving: a clear majority of people who suddenly come into substantial money have less of it five years later than the day they got it. The reason is rarely the markets. It is the absence of a structure.
We help you separate the money you need for life from the money that can be put to work, set up the accounts so neither sleeve can accidentally fund the other, and build a written spending plan that survives the people who will appear in your life uninvited the moment news of the windfall spreads.
"I am building wealth that needs to outlast me, and the rules just changed."
Generational planning is no longer a matter of writing a will and naming a trustee. Tax regimes shift. Family structures change. Children disagree. Heirs are not always who you thought they would be when you started the plan.
We work with your existing tax, legal, and estate advisers (or introduce you to ours) to design a structure that is robust to the political and personal changes that any 30-year plan will encounter. Then we manage the investable portion in line with the structure, so the money is doing the work the documents say it is supposed to do.
"I am still building. I want compounding that does not get undone by taxes or bad timing."
Most of the return in a long-term portfolio comes from a small number of years that you must be invested through. Sit out the wrong fortnight and decades of compounding gets reset. We design accumulation strategies that you can actually stay invested in, with risk gating that has been tested through real drawdowns, not just on paper.
And because the tax bill on an accumulating portfolio can quietly eat a third of the lifetime return, we work with your tax adviser to keep the right asset in the right account: tax-deferred where it matters, tax-efficient where it does not.
Start the conversation-
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Asset location, not just allocationWhich assets sit in which accounts is often worth more than which assets you own.
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Sequence-of-returns gatingWhen you are drawing, the order of returns matters more than the average. Our gating logic protects against the bad order.
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Discipline you can actually stick toThe best plan is the one you will follow through a 30 per cent drawdown. We build for that, not the spreadsheet ideal.
Derivatives and structured products.
Sophisticated instruments only when they actually serve the goal. Most clients need fewer of these than the industry would have you believe.
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Options: calls, puts, and hedging strategies.Used as insurance on existing positions (protective puts), as paid-for income on holdings you already own (covered calls), or as defined-risk substitutes for outright positions. We never sell options nakedly on client accounts.
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Futures contracts.Capital-efficient exposure to equities, rates, commodities, and currencies. Used primarily for hedging existing portfolios and for the systematic crypto programme.
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Forwards and swaps.Bespoke contracts for hedging foreign-currency exposure on operating businesses, family-office cash, or cross-border real estate.
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Structured notes.Pre-packaged risk-and-return profiles, including principal-protected notes for conservative income and participation notes for upside-with-floor exposure. We only use issuers from the top three rating buckets.
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Currency and crypto trading.Our systematic Crypto Core programme, plus discretionary hedging on cross-border holdings and operating cashflows.
Retirement and tax-advantaged accounts.
We work with the retirement vehicles available in your jurisdiction. The names below are examples; the principle is the same everywhere: put the right money in the right wrapper.
United States
- 401(k) and 403(b) integration and rollover planning
- Traditional IRA, Roth IRA, and SEP-IRA management
- Pension fund advisory for plan sponsors
- Annuities for income certainty in retirement
- 529 college savings plan design and funding
United Kingdom, EU, Asia
- SIPP and SSAS coordination (United Kingdom)
- Pillar 3a and vested-benefits accounts (Switzerland)
- CPF Supplementary Retirement Scheme (Singapore)
- MPF and ORSO scheme integration (Hong Kong)
- PEA, PERP, and PER (France) · Riester and Rürup (Germany)
We do not act as a custodian for retirement accounts. We coordinate with your existing plan administrator and tax adviser, and we manage the investable portion under formal advisory authority.
The clients we work with.
Different sized capital pools need different things. Here is what each segment typically asks of us.
Individual investors
From accumulators building wealth to retirees protecting it. We will tell you honestly if your situation is better served by a low-cost index portfolio than by an actively managed one.
High-net-worth individuals
Typically clients with $1M to $25M of investable assets, who need active risk management, tax-aware structuring, and a clear plan for the next twenty years.
Ultra-high-net-worth individuals
Investable assets above $25M, often with operating businesses, complex tax positions, and multi-jurisdictional residency. The plan becomes a structure, not a portfolio.
Family offices
Single or multi-family offices outsourcing systematic digital-asset sleeves, or seeking a co-CIO arrangement on the diversifying portion of the book.
Institutional clients
Pension funds, endowments, foundations, and insurance company general accounts allocating to non-correlated systematic strategies, typically as a satellite to a core portfolio.
Sovereign and corporate
Sovereign wealth funds and corporate treasuries seeking systematic diversification, crypto hedging programmes, or short-duration cash management.
The first conversation costs nothing and commits to nothing.
You will speak with a member of our investor relations team within one business day. The first call is 20 to 30 minutes. We will ask about your goals, your existing portfolio, your tax situation in plain terms, and your time horizon. We will not pitch you a product.
If after the call we think we are not the right fit, we will tell you and, where we can, we will point you to someone who is. If we think we can help, we will scope a second conversation that introduces the specific service or strategy that fits your situation.
Request a discovery call-
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First call20 to 30 minutes. Your goals, our process, what good looks like.
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ProposalA written one-page proposal of the service or strategy that fits, with realistic ranges of cost, return, and risk.
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OnboardingKYC, AML, account-opening at your selected broker, advisory agreements. Typically five business days end to end.
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First reportStatement and commentary within thirty days of go-live, and every month thereafter.
Tell us what you are trying to do. We will tell you whether we can help.
Honest answer, every time. If we are not the right fit, we will say so and point you to someone who is.