Our Approach

Our Approach to Wealth Management

At Helvetica Assets, we have developed a comprehensive, disciplined approach to wealth management that has been refined over decades of serving high-net-worth individuals and families. Our approach is grounded in academic research, informed by practical experience, and customized to each client's unique circumstances.

The Helvetica Assets Wealth Management Process

Phase 1: Discovery & Assessment

Our relationship begins with a comprehensive discovery process designed to understand every aspect of your financial life. This includes:

Detailed review of your assets, liabilities, income, and expenses
Assessment of your current investment portfolio and performance
Analysis of your tax situation and planning opportunities
Review of estate planning documents and strategies
Evaluation of insurance coverage and risk management
Discussion of your goals, values, and priorities
Assessment of your risk tolerance and time horizon
Understanding of your family dynamics and legacy objectives

This discovery process typically takes 2-3 meetings and involves completing detailed questionnaires and providing relevant financial documents. We take the time to truly understand your situation because we know that effective wealth management requires a complete picture.

Phase 2: Analysis & Strategy Development

Once we have a complete understanding of your situation, our team conducts a thorough analysis and develops a comprehensive wealth management strategy. This includes:

Cash flow analysis and projections
Tax optimization strategies
Investment policy statement development
Asset allocation modeling and optimization
Estate planning recommendations
Risk management assessment
Retirement income planning
Charitable giving strategies (if applicable)

We use sophisticated financial planning software to model different scenarios and stress-test your plan under various market conditions. This analysis allows us to develop strategies that are robust and resilient.

Phase 3: Presentation & Refinement

We present our recommendations in a clear, comprehensive format that explains:

Our analysis of your current situation
Identified opportunities and potential issues
Recommended strategies and action steps
Expected outcomes and potential risks
Implementation timeline and priorities

This is a collaborative process. We welcome your questions, concerns, and input. We refine the plan based on your feedback until you're completely comfortable with the strategy.

Phase 4: Implementation

Once you approve the plan, we move to implementation. This includes:

Account opening and funding
Portfolio construction and investment selection
Coordination with attorneys for estate planning
Coordination with CPAs for tax planning
Insurance policy review and placement
Beneficiary designation review and updates
Document organization and vault setup

We manage the implementation process from start to finish, coordinating with all relevant parties and keeping you informed of progress. Our goal is to make implementation as smooth and efficient as possible.

Phase 5: Ongoing Management & Review

Wealth management is not a one-time event—it's an ongoing process. We provide continuous oversight and regular reviews:

Daily Monitoring: We monitor your portfolio daily for performance, risk, and rebalancing needs.
Quarterly Reviews: We provide detailed quarterly performance reports and market commentary.
Annual Meetings: We conduct comprehensive annual reviews to assess progress toward goals and make any necessary adjustments.
Proactive Communication: We reach out proactively when we identify opportunities or potential issues.
Life Event Planning: We help you navigate major life events such as retirement, inheritance, business sale, or family changes.

Our Investment Philosophy

Our investment approach is grounded in several core principles:

Evidence-Based Investing

We base our investment decisions on academic research and empirical evidence, not market predictions or speculation. We focus on factors that have been shown to drive long-term returns: asset allocation, diversification, cost management, and tax efficiency.

Risk Management

We believe that managing risk is just as important as seeking returns. We use sophisticated risk management techniques including diversification, hedging strategies, and dynamic asset allocation to protect your wealth during market downturns.

Tax Efficiency

Taxes can significantly erode investment returns. We employ tax-efficient investment strategies including asset location optimization, tax-loss harvesting, and strategic realization of gains to minimize your tax burden.

Cost Management

Investment costs directly reduce returns. We use low-cost institutional investment vehicles and negotiate favorable terms with managers to minimize expenses and maximize net returns.