Coming into substantial wealth—whether through inheritance, entrepreneurial success, business exit, or other personal achievements—is a profound milestone. It brings with it the freedom to design the life you want for yourself and your loved ones, but also introduces a new level of responsibility.

Nothing is static. Your life evolves, your family’s needs change, the world around you shifts—and your wealth strategy must evolve with it. Managing significant wealth requires more than just preserving assets. It demands a structured framework that aligns your capital with your values, lifestyle, legacy goals, and long-term aspirations.

At the heart of this framework should be a well-crafted Investment Policy Statement (IPS), a clear strategic roadmap to guide decision-making across all asset classes. From liquidity needs and risk tolerance to philanthropic ambitions and next-generation planning, the IPS ensures your wealth works in service of your personal and family objectives.

To build and maintain such a strategy, experienced and trusted guidance is essential. The decisions you make today—how you allocate capital, assess risk, or define your goals—will shape your family’s future for generations to come.

Managing significant wealth means navigating a complex and fragmented ecosystem of institutions, advisors, and financial instruments.

For wealth owners, this environment can be overwhelming, filled with technical language, varied agendas, and unclear costs.

As a wealth owner, you may be working with:

• Private banks – offering custody, advisory, and lending services
• Relationship managers – your main contact at the bank, often juggling many clients
• Investment advisors – proposing products and strategies, often with internal sales targets
• Portfolio managers – managing your investments within bank-approved mandates
• Wealth planners and lawyers – supporting with legal structures and tax matters
• Fund and product providers – offering a range of solutions, from mutual funds to structured products

Each of these actors plays a role, but not all are fully aligned with your long-term interests. You’ll also face decisions on:

• Portfolio Construction – Are your investments diversified and consistent with your objectives?
• Product Types – Are you in funds, ETFs, single stocks, bonds, private assets, structured notes, hedge funds, alternatives?
• Asset Classes – Equities, fixed income, real estate, commodities, private equity, venture capital, infrastructure, natural resources, cash or money market?
• Fees & Charges – Are you aware of advisory fees, retrocessions, fund management fees, transaction costs, performance fees?

Understanding markets, risks and your portfolio – not only must you understand markets, but also you must understand market risks and implications on your wealth and investment portfolio. You’ll need to evaluate both absolute and relative performance, and consider how macroeconomic shifts or geopolitical disruptions might impact your portfolio.

Most importantly, you’ll need someone experienced who guide and work with you through all these aspects of your wealth and investment managment.

🔹 Unbiased Representation
Unlike banks or product providers, an independent advisor works solely for you — ensuring advice is objective and decisions are free from sales agendas or product bias.

🔹 Holistic Oversight
Your wealth often spans across private banks, custodians, and jurisdictions. A family advisor can consolidate your global holdings and provide a unified, strategic perspective.

🔹 Clarity & Structure
From building an Investment Policy Statement (IPS) to setting clear goals and risk parameters, your advisor helps establish a solid investment framework that grows with you.

🔹 Transparency on Costs
Many fees, commissions, and product charges are buried or unclear. An advisor helps you understand the true cost of investing and ensures you're not overpaying for services you don’t need.

🔹 Ongoing Review & Accountability
Wealth needs consistent monitoring. Regular reviews ensure alignment with your evolving life, goals, and market conditions — not just performance, but purpose.

🔹 Coordination Across Advisors & Institutions
From lawyers and accountants to bankers and fund managers, your family advisor acts as the central anchor, ensuring everyone is aligned and decisions are coordinated.

🔹 Next Generation Support
Educating heirs, preparing them to understand wealth, risk, and responsibility — this is a core role of a family wealth advisor.

A True Partner
A family wealth advisor is not here to replace your banks or teams — but to help you get the most from them. They are your sounding board, translator, strategist, and protector.

For families navigating complex wealth, the right advisor transforms confusion into confidence, and complexity into clarity.