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Family Office

Overview

Through our Family Office offering we endeavor to serve as a CFO of the investment, legacy and business needs of wealthy families. We present a unique platform to access innovative investment ideas and deals across the product spectrum of JM Financial Group.

The family office offering aims at a successful integration of investments for personal and business needs while maintaining complete confidentiality and privacy. Aided by in-depth research and analysis our wealth advisors present investment ideas facilitated not only through JM Financial Services but also from the product offerings of the JM Financial Group. Regular monitoring and review forms an integral part of the process through well-defined risk management tools which oversees the individual families risk return profiles.

Investment Philosophy

A. Transparency & Confidentiality
  • No conflict of interest as complete transparency is maintained regarding fees and charges including from third party products.
  • Wealth advisor’s interest is aligned with the client interest with focus on long term growth & preservation of client’s wealth.
B. Independent Unbiased Advisory
  • A specialized product team analyzes each product to ensure it meets the expectations of the client prior to recommendation which includes third party products as well.
C. Continuity and Team Approach
  • Clients are serviced by a team of senior & junior advisors along with product specialists.
  • Investment goals and needs are thoroughly documented to ensure there is no disruption in continuity services even if there is a change in the advisors.
D. Specialist Approach
  • Specialists from within the firm and across the JM Financial Group are engaged to ensure that our clients have the best minds working towards growing and preserving their assets, both on the personal and business front.
E. Risk Management
  • Employment of scientific tools to match individual families risk return profile.
  • Tactical asset allocation strategy to bring discipline and objectivity to investments and profit booking.

Steps to Our Investment Process

Unlike a pure investment advisory company, the scope of the Family Office is significantly more expansive. The goal is to not just maximize return but preserve the legacy of the family. There are various steps involved in order to achieve this objective.

Step 1: Discuss investment goals and objectives
  • We work with the family to understand their unique combination of objectives, desires, resources, constraints and goals, as well as undertake a full net worth review.
  • We identify priority issues, map out a game plan and develop solutions together to meet the family’s objectives covering the areas of Business, Family Nest, Business & Family Continuity, Wealth Transfer, Lifestyle and Philanthropy.
  • The depth of experience in all key financial disciplines makes us uniquely positioned to pull all the pieces of the puzzle together.
Step 2: Prepare investment policy statement
  • The investment policy statement provides the guidelines for all investment decisions and responsibilities of both parties.
  • Based on client discovery, we prepare a well thought out investment policy statement, to clearly state the client’s broad investing goals and objectives. The details include topics such as asset allocation, risk tolerance and financial goals. It also lays out the path we would follow in collaboration with the client to reach the goals.
Step 3: Create asset allocation plan & risk management strategy
  • The risk management framework includes due diligence process for current and prospective investments, the family office risk tolerance levels, fully integrated and well-functioning risk and investment processes, robust risk measurement and sound risk management governance structure.
  • In conjunction with an understanding of the economic environment and investment alternatives, leads to an asset allocation decision.
  • It ensures a diversified, risk-appropriate portfolio designed to achieve each client’s objectives.
Step 4: Explore special investment vehicles & tax efficient structures
  • We evaluate the potential mix of legal vehicles (Individual/Proprietorship to Holding Company to Private/Public Ltd / Trust/LLP/Partnership etc.) and locations to be included into the investment structure.
  • We then design an initial investment structure taking into account non-tax objectives (family succession, wealth protection, flexibility, monitoring, philanthropic purposes, etc.), to ultimately provide our clients with a fine-tuned structure.
  • Taxes impact returns on investments, particularly in low-return environments. We take advantage of tools and structures that can reduce the negative impact taxes can have on returns.
Step 5: Evaluate different investment ideas and Build Strategy
  • Once the plan has been mapped out, we then move to Building Strategy stage. It covers
    ● Asset Allocation & Tactical Overlay
    ● Cash Flow & Liquidity Management
    ● Diversification Onshore & Offshore
    ● Wealth Preservation & Protection
  • We actively identify, select and combine best-in-class investment opportunities in order to meaningfully grow client’s fortunes by delivering superior risk-adjusted returns.
  • We ensure client portfolios are well diversified – by asset class, region, manager style, industry group and security – which tends to reduce volatility, enhance capital preservation and increase overall returns per unit of risk.
Step 8: Conduct periodic review of portfolio
  • We monitor and review the investments to ensure that the objectives as laid out in the investment policy statement are being met. This stage comprises of review for financial Consolidation, performance measurement, Taxation & measurement.
  • We are also account for changes that have occurred within the family and / or the economic environment to determine if any adjustments need to be made to the portfolio.
  • Reporting is customized to each family and delivered on an annual basis.
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