Investments

Keeping risk at the forefront

Our investment process starts with fully understanding you and your family. From those conversations, we establish clear investment guidelines that will serve as parameters as we address asset allocation, asset location and finally, building your portfolio. In the process, we constantly keep risk top of mind and make sure the risk in your portfolio matches your risk tolerance so that your portfolio works for you – both in the short term and long term.

The following objectives guide our investment approach:

• Alpha Generation: We believe generating alpha begins with downside protection.
• Optimal Asset Allocation: Efficient allocation creates more value throughout the portfolio, potentially insulating your investments from unnecessary volatility and risk.
• Cost Efficiency: Investing in the best share class available allows for investors to compound the savings, increasing risk protection.

We manage assets on a discretionary or a non-discretionary basis, providing investment advice to your family as we carefully oversee your family's portfolio.

Our Investment Process

Getting to Know You

Before we begin the investment process, we need to get to know you and your family. By listening to your financial goals and priorities, we can build a financial portfolio tailored to your specific needs and desires. These initial conversations are critical because they form the basis of our relationship with your family.

Discovery

Once we have a deep understanding of your goals, we will move deeper into reviewing your family’s financial holdings to further understand your current investments. This process often sheds light on the fees you are currently paying and helps us to assess how much risk you and your family can take on – both from a financial and emotional perspective.

Investment Policy Statement

With all of this information, GFG Capital will then develop a custom Investment Policy Statement. This establishes all of the guidelines for advising the portfolio and takes into account risk, tax efficiency, liquidity needs, preferences and short-term and long-term goals. These parameters are an important part of the process, and will serve as a guide for you and us as we begin your wealth journey together.

Account Management

Our services are designed for the long-term and we consistently review your portfolio to ensure it serves your family in your current stage of life. As you meet financial goals or incur life changes, we will make adjustments to keep your portfolio consistent with your needs. We provide quarterly reviews for our clients but are always available to discuss any questions, concerns or market conditions - and how they impact your financial life.

Reporting

With an emphasis on transparency, we provide monthly, quarterly and annual reports, giving you a comprehensive, accessible representation of your investment portfolio. With this clarity, you will be able to get a full picture of the state of your assets several times throughout the year.

Ongoing Management

In our extensive experience with domestic, international and cross-border wealth management, we have developed a clear model to provide ongoing financial services and investing for our client families. By keeping risk at the forefront, we are able to provide further protections for our clients. In our practice, we believe firmly that generating alpha requires downside protection. We also implement optimal asset allocation to create more value throughout each portfolio and invest in a cost-efficient manner that enables our investors to increase risk protection.

Family Office Analytics

Customized reporting, oversight and recommendations

Wealth can be complicated. Many families have multiple accounts with multiple service providers. We provide a comprehensive overview of your portfolio with a customized reporting package and provide constant oversight of your assets, whether those assets are managed externally, or by us.

We generate monthly, quarterly and yearly multicurrency reports that are tailored to you and your accounts, asset classes, positions, jurisdictions, family groups or subgroups. Based on our understanding of your accounts and the markets, we will make recommendations when necessary, or make you aware if we see something amiss. Through our direct electronic data feed, you can also get real-time offshore reporting for any account or custodian in the US and offshore. The benefits of Family Office Analytics include:

• Consolidation: Consolidate all your accounts from different custodians in one report; Group and consolidate different accounts and custodians in the most efficient way.
• Transparency: Track your investments policy by fees, account, institution and investment.
• Customization: Have 24/7 online access to all your reports via secure online portal; Tax reporting information for all accounts in your fiscal residence reporting currency
• Monitoring: Minimize correlation among assets, avoid asset overlaps and gain a clear understanding of risk and reward for all portfolios.
• Benchmarking: Illustrate performance attribution by asset class, manager and financial institution against the corresponding benchmark.

Family Office Administration

Providing control, organization and visibility

Wealth can be complicated. For those families who need a little more assistance, we are there to serve. Understanding that managing wealth and the financial aspects of life can be a time-consuming task for many families, particularly those who have numerous monetary and investment accounts, multiple homes, vehicles and assets and those who require detailed and customized reporting. We keep it all organized, and manage it seamlessly while keeping you informed and a part of the process.

For assistance beyond the portfolio, we serve by managing additional aspects of their wealth including insurance, property management, cash flow management and financial planning. By using our Family Office Administration Services, families can structure and simplify their personal finances, and enjoy the peace of mind that comes with one point of contact for your financial life. Our Family Office Administration services include:

• Bill Pay
• Digital Record Keeping
• Monthly and Yearly Financial Reports
• Cash-flow Management
• Budgeting Services
• Vendor Oversight
• Fraud and Identity Theft Precautionary Measures
• Insurance Management
• Property Management