A complete network of financial management.
Our services fall into three broad categories. You may need aspects of each over time and you may not fit neatly into any single category. Our approach is client-centric: we’re not a one-size-fits-all advice firm. We consciously tailor our approach to you and your family, ensuring our strategies help achieve whatever is most important to you.
Investing
Wealth Management
Family Office
Everything we do is based on evidence
The foundation of our approach is based on decades of quantitative data and leading academic research on the optimal methodologies to structure effective investment portfolios, backed by compelling track records of success.
Most clients initially come to us to address an underlying, fundamental concern – will my financial resources enable me to live the life I want to live?
With this question in mind, we build a tailored investment strategy for you based on three core pillars of investment consideration:
Risk required – what returns do you require to achieve your financial goals?
Risk tolerance – your willingness to accept investment risk whilst still being able to sleep at night; and
Risk capacity – your portfolio’s ability to withstand short-term market volatility without impacting your lifestyle or the longevity of your financial resources.
Advice for the real world
Investment decisions rarely take place in a vacuum. There are complex factors to take into account when constructing a viable wealth management portfolio, including tax obligations, legacy considerations, and potential legal and business implications. This all requires a long-term mindset and a real commitment to collaboration.
Truly effective wealth management is so much more than just portfolio management. We see it as the combination of:
Investment consulting – determining your risk required, risk tolerance and risk capacity.
Strategic planning – wealth enhancement, wealth protection, and wealth transfer and generosity.
Relationship management – thorough integration with your other professionals such as accountants, lawyers, private bankers, and real estate professionals.
We also have our own network of expert contacts to ensure you have the support of a dedicated circle of finance professionals, to ensure a consistent and comprehensive wealth management journey.
Looking across generations
Plans for effectively preserving family wealth should take a signifcant long-term approach – in most cases considering many decades in advance. The most diligent approaches often entail investing in human and intellectual capital, rather than solely financial capital. Such long-term strategies should take into account physical and emotional wellbeing, education goals, and desired lifestyles and experiences. In addition, there needs to be put in place representative governance, founded on a set of shared values.
Lorica Partners offers a Family Office service to families who require much greater assistance to manage and administer their complex financial affairs.
Some of the services we provide include:
Next generation capacity building
Strategy, decision making, and maintenance of fair processes.
Comprehensive management, reporting and administration