The role of the trusted advisor

As your financial planners, our primary responsibility is to ensure that your financial objectives are met in the most effective manner. This involves a deep understanding of the regulatory environment, tax laws, product information, investment principles and other market developments in order to create a financial plan based on your specific requirements. This naturally requires that we gain a deep understanding of you, your specific goals and objectives and your current assets, liabilities and required cash flows. To implement your plan, we will select other appropriate role players and ensure that they fulfill their duties effectively. Your financial adviser can be seen as a conductor of an orchestra that has the responsibility of unifying the various role players and shaping the sound of the ensemble.

The discretionary fund manager

As portfolio management and the selection of the underlying investments (unit trusts) is a specialist field that requires an enormous amount of investment capability, research and skill, we have partnered with a number of discretionary fund managers. In analysing your requirements, we will generate a specific investment mandate that is passed on to the DFM. The DFM will then, based on the specific mandate, decide on an appropriate asset allocation (mix of local and offshore equities, cash, bonds and property) as well as select the unit trusts used to express that asset allocation. The portfolio is implemented via the administrative platform and is managed on an ongoing basis. Ongoing management involves the rebalancing of the portfolio in order to ensure consistency of returns within the mandate, implementation of mandate changes as well as any expression of asset management views by the DFM.

Underlying fund managers

The discretionary fund manager is responsible for selecting the underlying fund managers and unit trusts that will be used to implement the required asset allocation of your portfolio. Typically, the underlying fund manager has a pre-set mandate within a given asset class to which they manage their unit trust. The underlying fund managers are therefore specialists in their respective asset classes and attempt to generate superior returns relative to an appropriate benchmark at a lower level of risk.



The results

The blending of specialist managers within asset classes as well as having the discretionary fund manager managing your overall asset allocation, results in a vast number of professional resources applying their skills to your portfolio. The outsourcing of certain functions allows us, as your financial planners, to focus on financial advice and the achievement of your goals and objectives. This ultimately ensures that the expertise and skills of each contributor are being deployed in the most efficient manner.

Our investment partners