Do I have full access to my investment capital?
Yes, you can access your funds at any time.
Are there redemption fees?
No.
What fees do you charge?
We operate in an advisory capacity rather than as discretionary portfolio managers. Accordingly, for relationships under US$500,000, our compensation is structured on a transaction-fee basis. For portfolios exceeding US$500,000, clients may elect either an annual fee arrangement or a transaction-based model. Our pricing is designed to be competitive with prevailing market practices and to closely align our economic interests with those of our clients.
What is your account minimum?
We have no set minimum investment.
What services do you provide?
We provide holistic wealth management serives, which include investment advisory services, retirement planning, private equity investing, expatriate investment guidance, and estate planning.
What is your general investment philosophy?
Affluence Management’s investment philosophy is grounded in disciplined, research-driven decision-making that prioritises long-term capital growth, prudent risk management, and portfolio diversification across markets, sectors, and asset classes. We avoid speculation and product bias, focusing instead on fundamentally sound opportunities that align with each client’s objectives, time horizon, and tolerance for risk.
What types of clients do you work with?
We work with internationally minded individuals, families, and entrepreneurs, including expatriates and globally mobile professionals with cross-border financial needs. Our clients typically have wealth management, investment, retirement, or estate planning objectives that benefit from coordinated, long-term advisory support.
How do you determine an appropriate portfolio?
We assess risk tolerance through a structured process that combines detailed discussions about your goals, time horizons, income needs, and past investment experience with formal risk-profiling tools and scenario analysis. Using this information, we design a diversified portfolio aligned to your objectives and capacity for risk, and we review it regularly to ensure it remains appropriate as markets and personal circumstances evolve.
How often will I hear from you and receive reporting?
You will receive regular performance reporting on a scheduled basis, typically quarterly, along with ad-hoc updates when markets or your personal circumstances warrant review or adjustment. In addition, you will have ongoing access to your adviser, and we are available whenever you would like to discuss your portfolio, financial plans, or market developments.
What is the difference between a financial adviser and a broker?
A financial adviser provides holistic advice that considers your broader financial picture, including investments, retirement planning, and long-term goals. Advisers are typically held to a fiduciary standard, meaning they are required to act in your best interests. Brokers, by contrast, primarily facilitate the buying and selling of investment products and may not always be obligated to place client interests ahead of commissions or product sales.
What is the difference between financial planning and wealth management?
Financial planning creates a roadmap for specific goals, while wealth management is an ongoing service that combines planning with investment strategy, portfolio oversight, and long-term wealth preservation.
Can wealth management services benefit business owners?
Yes. Business owners often face complex financial decisions that span both personal and corporate finances. Wealth management can help integrate investment strategy, retirement planning, business succession, and liquidity planning to support both current operations and long-term goals.
Is there a minimum age to work with a wealth manager?
There is no specific age requirement. Affluence Management works with clients at different life stages, from those beginning to build wealth to individuals preparing for retirement or managing established portfolios. The appropriate strategy depends on your goals rather than your age.
Why is diversification important in wealth management?
Diversification helps manage risk by spreading investments across different asset classes, sectors, and markets. This approach reduces reliance on any single investment and can help protect portfolios during periods of market volatility.
Can wealth management help with managing or reducing debt?
While the primary focus of wealth management is long-term financial growth and preservation, advisers can also help evaluate debt obligations. This may include strategies for prioritising repayments, improving cash flow, or restructuring debt as part of a broader financial plan.
Does Affluence Management offer ethical or responsible investing options?
Yes. Where appropriate, we can incorporate ethical, sustainable, or socially responsible considerations into investment strategies. This allows clients to align their portfolios with personal values while maintaining a disciplined investment approach.
Can I manage my investments on my own?
You can, but professional advisers provide experience, structure, and ongoing oversight that can improve decision-making and long-term outcomes.
What role does risk management play in wealth management?
Risk management is central to protecting and sustaining wealth. At Affluence Management, we assess both your tolerance for risk and your capacity to absorb it, then design portfolios that balance growth objectives with appropriate safeguards against market, economic, and personal risks.
How does estate planning fit into a comprehensive wealth management strategy?
Estate planning is an essential part of wealth management, helping ensure your assets are protected, structured efficiently, and transferred to future generations in line with your wishes. At Affluence Management, estate planning is integrated into the broader wealth strategy to support tax efficiency, clarity, and long-term continuity for you and your family.