A family office approach to wealth…
…for solopreneurs, founders & busy professionals
MONEY
GETS
COMPLEX
The uber-rich use family office, a full-service wealth management setup that serves just that one family. Because, as they say, money gets complex once you have made it.
We rejigged the family office model using data & automation to cater not just to the wealthy but also the aspirationally wealthy.
And complexity is real. Investments, taxes, retirement planning, employee benefits, legacy planning, insurance, estate planning, cash flow planning, legacy planning, philanthropy – all these areas intersect.
We un-complex it all for you.
The
Sacred
Fig
The Sacred Fig in Anuradhapura, Sri Lanka, is the oldest known human planted tree in the world, having survived some 2,000 years, still bearing fruits.
We think about wealth the same way. We design an endownment-style version of your money through good process and good investing. The seeds you sow today should not just provide you a better future tomorrow but by making it into a wholesome family affair, we want to avoid that oft-repeated shirtsleeves-to-shirtsleevs in three generations cycle.
Because lasting wealth is not just about money. It is about the values you impart around money. It is about the coaching and the recurring interventions needed around money that impacts every decision you make as a family. We make your version of The Sacred Fig last long.
HOW
we
PLAN
The wonders of free market capitalism are all around us. We are in the business of backing the businesses that lets capitalism do its magic.
We believe in long-term ownership of investments. We use these investments to build a pension plan around your life goals.
And we manage that plan like how a pension plan would. Your plan evolves as you pass through the many life stages but big sudden changes based upon short-term market events is what we won’t do.
We invest as if the Efficient Markets theory holds. Markets though are seldom efficient – in the short run. But over decades long timeframes that we care about, the price and the value of an investment will converge. We invest with that in mind.
Talk about value, we must be able to derive a value for any investment we use in your plan. Assets must produce cash flows or have prospects of producing cash flows. Anything that does not conform to that, we deem that as speculation. We won’t speculate with your money.
Markets will suck from time to time and sometimes they’ll suck for years. And since you’ll be an active participant in the markets, your portfolio will suck along. That is the nature of the game.
But you must stick around and continue to feed your plan because that eventual recovery is what will shorten your time to financial independence.
Process is what we control. Outcomes are seldom in our control. Getting the process right is where we spend most of our time. We then let the markets do their work. But your understanding of the process is critical for the long-term survival of your plan.
With time, this plan becomes a living, breathing document that you’ll get frequent updates on. It’ll become a blueprint of your money life.
We
Don’t
Compartmentalize
Financial Planning
Every account talks to all other accounts you own as a family unit. We weave all that into an easy to understand, one-page plan. No gobbledygook, no obfuscation, no confusion. All you need to know about your money in a mere five minutes.
Risk Management
The ups and downs in your portfolio’s value is not true risk. Your true risk is your teenage daughter getting into a car accident. Or if something were to happen to you, how will your family cope finacially. We make sure you are adequately protected against any such risk events through good insurance.
Tax & Legacy Planning
Tax planning does not happen on April 15th. It happens through the year. And it flows from year to year. The goal is to reduce your life time taxes. We don’t make the rules but good tax planning then trickles into legacy planning and that is where your heirs (not you) truly make tax bank.
Data
SCIENCE
YOUR
MONEY
We take the kind of risks that we can statistically model for when building portfolios that feed your plans. Modern Portfolio Theory, a risk-return optimization framework is the backdrop we use to manage your savings. There’ll be tweaks along the way but never any big deviations.
And it is not just making sure that you own the right investments in the right accounts but to de-risk your plan even more, we make sure that there is just the right amount of overlap between investments across accounts. To do that, we built a self-updating portfolio analytics platform that parses data from the many investment providers that tells us if changes are needed to keep your portfolio allocation in check.
We then Monte-Carlo simulate the heck out of your plan to make sure you never run out of money before you run out of time.
And all this is automated including the plan generation process by borrowing some of the tools and techniques from the wide open field of data science.
The best OF tech stackS
