Wealth management process Bristol

At Kellands Bristol, our wealth management process seeks to identify the right spread of investments to match your appetite for risk and returns, thereby maximising the likelihood of you reaching your investment goals.

The key to the process is establishing the correct balance of different types of asset as this is known to determine up to 90% of the variation in the returns of a portfolio over the long-term. The following is an outline of our wealth management process;

Step 1 – Review your existing assets

We gather detailed information on all the investments you currently own.

Step 2 – Understand your tolerance to risk

Our risk questionnaire is designed to bring out your attitude to risk when investing, your time horizon, future cash needs and your objectives. Aided by an independent modelling tool we determine your risk profile on a scale of 1 to 10. The risk profile is then discussed with you to ensure that we are agreed on the findings.

Step 3 – Establish your required asset allocation

Using the large volume of available data from the modelling tool along with the risk profile results, we recommend an asset allocation for your portfolio that has a higher probability of delivering returns in line with your objectives.

The modelling tool is built upon a large volume of historical data on equities, fixed interest and property. Using this data along with the risk profile results, it recommends an asset allocation for your portfolio that has a higher probability of delivering returns in line with your objectives at the level of risk you are comfortable with.

The recommendation will be diversified across different geographical areas and asset types.

The objective is to ensure you sit on the efficient frontier, which seeks to optimise your returns while helping to reduce your risk.

Step 4 – Choose the correct tax wrappers to minimise tax

Once we have established your optimum asset allocation, we will ensure you are not paying more tax than you need to. We consider the income tax, capital gains tax and inheritance tax implications of your current portfolio and any new investments to be made.

Step 5 – Construct the portfolio to meet your asset allocation

We then either recommend a rebalancing of your existing portfolio, or a new portfolio of investments tailored to take account of your risk profile and corresponding asset allocation, your investment preferences and objectives.  

We will outline a range of well researched solutions that will give you access to leading investment companies. 

Step 6 – Monitor your portfolio to ensure it continues to meet your requirements

As the asset allocation of your portfolio changes over time, we review your portfolio on an ongoing basis to ensure it remains on the efficient frontier.

As well as bespoke investment solutions, to meet your individual needs and objectives, our wealth management service includes a number of tailored investment solutions, based on multi-manager investing.

Contact us now, to discuss our wealth management service further.