Personal Solutions
Dynamic Risk Management
We believe our core commitment to you is achievable through dynamic risk management.
Our purpose is to ensure you achieve your long-term objectives. Therefore, the risk that matters most is the risk of you not achieving your objectives.
An integrated relationship
Simplistic regulatory and advisory models see clients’ life objectives, investment choices and outcomes as separate fields. Our experiences over the past 25 years, as well as our meticulous study of the bodies of research, have taught us that behavioural and market sciences work together in a dynamic risk feedback loop.
This means the more stable and integrated the relationship is between you, your adviser and the investment management, the greater the benefit to you.
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The industry’s fragmented approach
Generally, the financial services industry operates using a fragmented approach. This means that the broker, the fund manager, the platform provider, the dealer and the investment or financial adviser are working independently to offer you an investment solution.
The fragmented approach has three important characteristics.
1) All industry participants except for the adviser are disconnected from you.
2) The industry’s framework is not built to your benefit.
3) The majority of the transactions do not involve you.
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Our integrated approach
Being leaders and innovators, we questioned the financial services industry model as we were finding opacity where we wanted transparency for our clients.
Your financial adviser who acts in a fiduciary capacity cannot be beholden to products or self-interests. That’s why our advice is fee-based, not commission-based. That’s why your adviser acts solely on your behalf. And that’s why we have a vertically-integrated business because it enables us to manage your risk exposure more effectively.
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Our integrated approach has three important characteristics.
1) Your adviser and all aspects of the wealth management chain are connected to you.
2) Our framework is built to your benefit.
3) All transactions involve you.
Our integrated framework provides a foundation for decision-making that fundamentally protects you. With you truly at the heart of our business, Plan B has been built to your benefit in every regard. That’s why the fiduciary framework applies to Plan B Trustees Limited, including the Investment Division, and to Plan B Group Advisory Services.
We hold a unique position within the industry because you have access to wealth management, an insurance brokerage, property advice, Wills and estates, a finance brokerage and many other offerings. And compliance, governance, administration, reporting and taxation are all integrated to optimise the benefits to our clients.
Generally, the financial services industry operates using a fragmented approach. This means that the broker, the fund manager, the platform provider, the dealer and the investment or financial adviser are working independently to offer you an investment solution. This approach enables us to provide integrated services to you, free of the conflicts created by third party profit interests. You benefit with full disclosure and lower costs than would often be incurred by using a number of separate service providers.
Our custodian ensures your investments are protected at all times which means you can have the utmost trust and peace of mind their investments are safe.