At Wealth International, we believe that sound financial planning advice starts from a solid base. Our job is to eliminate as much of that uncertainly as possible and to work with you to identify the most appropriate way for you as professional intermediary and your client to achieve their financial goals.
Our services proposition is bespoke and tailored to meet the requirements of your organization and/or the specific client entity we are advising. Our clients range from significant and complex family office structures to simple single investment structures.
The first step is to discuss your client investment objectives and formulate a specific service level agreement for your company and/or specific client entity. This may be as simple as regularly monitoring an existing portfolio against a set of objectives and industry benchmarks, to a full review of a client’s financial needs and providing recommendations for a new investment portfolio using our Discretionary Investment Manager analysis and selection process.
We have encountered so many situations where clients’ expectations have not been met that we feel the following will help any intermediary increase the likelihood of satisfaction and peace of mind for both client and you as the intermediary fulfilling your fiduciary responsibility.
The Wealth International Investment Process is designed with that in mind. It creates a framework for us to discuss your and the underlying client’s needs and expectations, to assess and agree a suitable attitude to investment risk and then to build and manage an investment portfolio to match. By working through a series of logical steps, you will gain a better understanding of the reasoning behind our recommendations and confidence in the resulting choice of investments.
Overview of Typical client service:-
Entity Objectives and risk tolerance
Our process starts with a thorough review of the financial position of all relevant stakeholders. This is crucial as it allows the all other steps to naturally follow. Having conducted the financial review, we employ our knowledge and experience in risk/reward evaluation to establish how well matched current financial arrangements are to the ambitions of the structure. This includes the review or writing of an investment policy statement that is married to the stakeholders’ desires and can highlight the need for segregation of wishes where appropriate. The review and investment policy statement form the backbone for the structure thus reducing intermediary risk at the outset. It also increases client comfort whilst providing forward looking structure in line with the expectations of our regulatory bodies.
Our Professional Intermediary service offers a panel of top discretionary investment managers who run both bespoke and model portfolios, run to your own personal investment policy statements. The service provides access to a selection of some of the most respected names in the world of discretionary asset management. A discretionary service means you give the investment managers authority to use their discretion and expertise in following your investment mandate. They can move decisively to seize opportunities to enhance the performance of your investments or protect capital in a market downturn, without the delay of constantly waiting for your written permission. The service from Wealth Financial Planning incorporates a holistic financial planning approach, combined with manager analysis to provide a tailored approach to your specific mandate.
Manager Selection & Blending
Having assessed the requirements of both the intermediary and underlying clients and identified suitable managers to meet these requirements. At Wealth International we collect data on a wide range of investment managers. This data includes performance volatility and style analysis, to allow us to create a blend of investment managers tailored to the individual requirements of the entity.
Our Professional Intermediary service offers a panel of top discretionary investment managers who run both bespoke and model portfolios, run to your own personal investment policy statements. The service provides access to a selection of some of the most respected names in the world of discretionary asset management. A discretionary service means you give the investment managers authority to use their discretion and expertise in following your investment mandate. They can move decisively to seize opportunities to enhance the performance of your investments or protect capital in a market downturn, without the delay of constantly waiting for your written permission. The service from Wealth Financial Planning incorporates a holistic financial planning approach, combined with manager analysis to provide a tailored approach to your specific mandate.
Presentation and discussion of recommendations
Having devised an optimal investment solution from our manager analysis we will present these to you in a detailed formal recommendation report. We will request a meeting, answering any questions you may have and making sure our assessment and recommendations are aligned with both you and the clients objectives.
Implementation
To undertake all the application procedures on the client's behalf, liaising with the relevant product provider, investment managers and tax advisors. Then to collate all required documentation and AML (Anti – Money Laundering) requirements to implement the solution.
Sophisticated investment reporting
Wealth understands that a professional intermediary is required to demonstrate an on-going monitoring process of its investments and managers.
Wealth International provide ongoing quarterly analysis reports, to review the on-going effectiveness of its recommendations and relay these findings to the trustees or managers in plain English, in conjunction with any on-going recommendations or advice relevant to the entity. We also request annual holistic reviews to revisit the entities investment planning requirements and not just the performance of an investment or fund in relation to its peer group or bench mark. For example a manager may be top quartile but this will mean nothing to the client, if the overall market has fallen and the client is now unable to stomach the new levels of volatility in a previously low volatility asset class.
On-going investment policy statement of the Entity
To maintain a clear understanding of the objectives, restrictions and expectations of the entity this service allows the trustees to work with Wealth in designing a statement to be agreed with the client and provide a clear investment crib sheet for the selected investment manager and administrator.
The process of reviewing previous performance against static benchmarks or peers remains useful but can only be regarded as a hindsight exercise. Greater likelihood of satisfaction will come from a more holistic and forward looking approach to investment monitoring from a Financial Planning starting point
The Professional Wealth Management Service will give you:
Clear presentation and management structure of entity investments
Investment management tailored to the entities specific needs and risk profile
Access to first-class investment research and expertise
Access to our own administration and consultancy team
On-going, flexible and strategic financial planning advice
Quarterly valuation and reporting and consolidation where required
Annual or half yearly reviews and risk profile updates using third party impartial data