Asset Management Planning Services

Asset Management

You and your family (partner, spouse) work hard to accumulate assets over a lifetime. The hope is that, when the time comes for you to leverage those assets, they’ll be there for you to benefit from. Asset Management service is all about helping you manage YOUR financial assets using a prudent and conscientious approach.

There exists tremendous demand for advisors who adjust portfolios to reflect changing client needs and goals. Kapela doesn’t simply use traditional age-based asset-allocation recommendations of the financial industry (ex. “100 minus your age equals the amount of equities you should own…”), and we also don’t subscribe to traditional theories of long-term investing (ex. “the stock market will always come back…”) and diversification (“own a little bit of everything, but not too much…”).

Why Asset Management Is Important

Individuals and families depend on the assets they accumulate over the years, being able to sustain them later in life – in retirement or in the event of an unforeseen need. However, not everyone has the time to monitor and manage those assets. And even if you have the time, you might not have the skills and patience to do so. In not managing your assets diligently over your accumulation phase, you could leave them exposed to erosion, destruction or depletion. The result: You might not have those assets (or a significant portion of them) in times of need.

Age is important, but not the main factor. While time is a leading risk measurement, the marketplace better defines what is or what is not risky.

For example, some might think that owning a short-term Treasury-bond fund is “safe” or “conservative” – that is until the Fed raises rates and the fund loses money.

Kapela accepts the premise of long-term investing, we believe that we add value to your portfolio by identifying potential market corrections and by making the necessary adjustments.

Diversification is of the utmost importance, there is no need to own something just for the sake of following an industry mantra of owning a little bit of everything.

Why own something that is losing money? And why not own more of something that is going up?

What We Can Do for You

Determining your objectives: Not everyone has the same, or similar, financial objectives as they embark upon accumulating their wealth. To manage your assets prudently, we first need to understand what your goals are for initially accumulating and subsequently using those assets.
Help you choose your optimal asset mix: There are hundreds of asset-types that you can invest in, and as many ways to do so! Depending on your goals for asset use, we’ll help you choose the right asset mix that will most efficiently/effectively accomplish those goals.
Help you create a strategic asset allocation plan (SAAP) and tactical asset allocation plan (TAAP): Successful investing is all about successful planning. We’ll help create both long-term (strategic) and short-term (tactical) asset allocation and management plans in line with the recommended asset mix.
Building your portfolio: Today, thanks to DIY-investing, anyone can create a discount brokerage account and start buying assets and including them in a portfolio. However, that’s not the most efficient or effective way to create long-term wealth. Using the allocation mix agreed upon, we’ll build a results-focused portfolio of individual investments (Stocks, Bonds, Mutual Funds, ETFs, Alternate investments) that will help get you to your financial objectives.
Managing and monitoring the portfolio: Unless you have the time and patience to dedicate to portfolio management, it can’t be done effectively. We know you have other things to do – such as living your life, so we’ll watch over the portfolio for you, making sure it never strays from delivering the objectives you desire.
Measuring performance: We track the performance of your assets under our care, and constantly measure how they are performing against industry-recognized benchmarks.
Managing risk: Our Asset Management strategy includes appropriate risk mitigation as part of this service. Where there are new risks to the portfolio, we’ll consult with you and propose timely and appropriate actions to manage and mitigate them.
Reviewing, reporting, recommending changes and revisions to the strategy: Our Asset Management service is based on constant and open communication and collaboration with our clients. Through regularly scheduled reporting and conversations, we ensure that your asset management plans are continually reviewed, revised, and updated to meet your changing circumstances.

Asset Management