Wealth Management Advisor

Investment Policy Statement

Perché: Lets you write an IPS that sets return objectives, horizon, liquidity and tax constraints, and gives you something to point to when the client wants to change course.

Asset Allocation

Perché: Lets you set a strategic allocation and decide when to rebalance or tilt tactically, rather than reacting to headlines.

Modern Portfolio Theory

Perché: Lets you build and defend a portfolio using diversification and risk-adjusted return, and recognise when the model's assumptions fail in a crisis.

Tax-Loss Harvesting

Perché: Lets you realise losses at year-end to offset gains without breaking wash sale rules, and judge when the tax saving is worth the trade.

Estate Planning

Perché: Lets you recognise when a client needs a trust, updated beneficiaries or a power of attorney, and brief the estate lawyer with the right facts.

Retirement Planning

Perché: Lets you test whether a client can retire at a chosen date using withdrawal sequencing and Monte Carlo results, and decide on a Roth conversion.

Social Security Optimization

Perché: Lets you compare claiming ages for a couple using breakeven and survivor benefits, and fit the result into the retirement income plan.