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Total Wealth Management
Our advisers work to balance your goals for growth with your future cash-flow requirements and your tolerance for risk.
Unique and bespoke to you, Provisio brings together intelligent investment strategies and planning through a series of low-cost, multi-asset portfolios with differing levels of risk, online portfolio management with “snapshot” valuations and ongoing reviews of future cash-flow requirements.
At Provisio we believe that investment and tax advice must be co-ordinated.
A clear strategy must be developed to deliver an integrated approach to investment management, taxation, estate planning and other relevant issues. What makes Provisio unique is that we combine these elements to offer you Total Wealth Management:
- Ensuring your income keeps pace with inflation
- Maximising investment growth but minimising investment risk
- Minimising the tax paid on your investments
- Reducing the cost of investment management
And as your financial picture evolves, we make sure that you’re always best placed to meet head-on the inevitable changes in life, ensuring you meet your financial objectives.
Future Cash-Flow Analysis
Provisio’s highly qualified advisers start by working together with you to build up a comprehensive cash-flow analysis model, one which takes into account your present and future income sources and expenditures. This model forms the basis of your financial plan and will be revisited regularly to ensure that your goals are being met. At the same time we will ask you to consider your future goals in terms of lifestyle to assess your likely income requirements.
And finally, the analysis can also be used to assess the impact of catastrophes on the family finances or to calculate the most appropriate quantum of gifts for IHT planning purposes.
Whilst the cash-flow analysis will allow us to calculate the amount by which your investments need to grow to meet your goals, it does not take into account the level of investment risk that you are willing to accept.
Before we can assess which investment strategy is most appropriate for you, it’s vital that we understand your “attitude” to risk.
The more willing you are to take greater levels of risk when making financial decisions means more potential gains, but with this comes greater volatility in your investments (that is, changes in their value over time, both up and down).
We will help you to ascertain your risk tolerance through a sophisticated question and answer session, the results of which will then be used as a foundation on which to build your portfolio. Together we will regularly review your asset allocation to determine if it meets your liquidity and income needs, risk tolerance and timeframe.
We can then make intelligent recommendations on asset rebalancing, always taking into consideration your own tax situation.
With the globalisation of the world’s economies and the accumulation of wealth and economic power in emerging markets, investors today need to have a cost efficient way of accessing that wealth. The new sources of economic growth along with growing environmental awareness, are creating pressures on resources, from oil and water to metals and crops. Strategic asset allocation is by far the most important determinant of portfolio performance., such as cash, fixed interest, property, equities and commodities on a truly global basis can give you a better return for less risk than investing in one asset class or geographic sector alone.
The optimum split between these asset classes depends on your personal objectives for the portfolio and your attitude to risk. Therefore we have researched and designed a range of risk-graded investment portfolios which incorporate all the main asset classes available.
What differentiates Provisio is our belief that “Passive” Index Tracking Funds should form the bedrock of these portfolios rather than more expensive conventional “Active” managed funds.
Index Tracking Funds offer near perfect market equalling returns from any given market, sector or index all for a fraction of the cost of more traditional “Active” managed funds.
Regular rebalancing of your portfolio along with occasional “tactical” asset allocation changes, ensures that your portfolio maintains its risk rating regardless of the performance of each of the underlying asset classes.
Online Portfolio Review
You want to keep track of your portfolio. Yet you have better things to do than decipher every detail.
Provisio’s Wrap gives you the best of both worlds — relevant, timely information available online 24/7.
A wrap is an online aggregation service that allows for the management of all your investments in one place, giving you instant online access to valuations and performance data across your entire portfolio.
This Wrap can buy and hold a huge range of investments and allows cheaper and more efficient administration than traditional wealth management services.
Asset Allocation is key and this can only be efficiently viewed, managed and administered if all assets are consolidated.
A consolidated investment approach across all your assets means we are able to control risk through regular rebalancing.
- Wide range of investment options including Provisio’s scientifically designed multi-asset portfolios
- Wide range of tax planning products to meet your changing financial needs
- Single fee structure agreed with you at outset
- Access to institutional investment funds which drastically reduce the cost of investing
- Very low transaction costs enable investment decisions to be made on merit
- Timely transactions enabling effective asset allocation
The Cost Benefits of Provisio
At the outset, there is a one-off implementation fee equal to one year’s annual fee. This fee covers the cost of the future cash flow analysis, risk assessment, financial planning advice and the transfer and re-registration of your existing assets onto the Wrap platform.