Your Wealth, Strategically Managed
A Holistic, Tax-Efficient, and High-Impact Approach to Traditional Financial Planning
Performance Structuring & Ongoing Monitoring
We structure investment portfolios tailored to your financial goals, risk appetite, and time horizon, backed by consistent performance monitoring.
- Aligned to inflation-beating benchmarks (e.g., CPI +3% to +6%)
- Balanced across growth, income, and capital preservation needs, as well as correct diversification across different asset classes such as equity, bonds and cash to name a few.
- Regular performance reviews and tactical rebalancing.
Estate Planning and Liquidity
- A solid estate plan ensures your loved ones inherit not just assets, but stability. We calculate your:
- Dutiable estate (after debt, expenses, and bequests)
- Liquidity needs to cover:
- Estate Duty (20% to 25%)
- CGT on deemed disposal (18% marginal taxpayers)
- Total Estate Duty plus CGT is 43% on estate value
- Executor fees (3.5% + VAT)
- Potential Section 37C implications on retirement funds
- Without sufficient liquidity, your family may be forced to sell assets under pressure.
Risk Cover as a Strategic Estate Tool
- Risk products, especially life cover, are used to:
- Fund estate duty and taxes
- Protect wealth for dependents
- Structure efficient succession (e.g. buy & sell, key person cover)
Policies can be structured outside the estate to avoid duty, depending on ownership and beneficiary designation.
Unique, Non-Vanilla Structuring
- We go beyond standard portfolios with tailored, regulated structures that unlock value through diversification, protection, and tax efficiency.
Examples include:- Structured products with capital protection or geared returns
- Endowment wrappers for tax-efficient investing
- Custom retirement solutions with offshore or thematic exposure
- Trust or company-held portfolios to shift growth outside the estate
Why it matters:
- Access to enhanced return opportunities
- Better tax outcomes and estate planning integration
- Exposure to niche strategies beyond mainstream markets
These solutions are ideal for high-net-worth individuals seeking more than just off-the-shelf investments—while remaining fully FSCA-compliant.