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"TAMRIS" - Setting standards

Independent, Impartial, Objective

General topic talks are as follows.

Total Asset, Life Cycle, Wealth Management

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Total Asset, Life Cycle Wealth Management is the management of an individual’s total financial assets to meet their total financial needs over lifetime in a manner which protects their financial security against stock market and economic risks.

This talk discusses what Total Asset Life Cycle Wealth Management really is, what your advisors should be doing at each level of the process, what expertise and resources they should possess to do the job properly, how your portfolio should be structured to meet your needs and protect your financial security over time and, looks at fees and charges.

What is investment discipline and why is it important?

Much of the financial services industry relies on simple arguments regarding asset allocation and investment timing to sell its products and justify its decisions.

The truth is, there is no effective management of risk and return without investment discipline. Issues such as asset allocation, active management versus index management and arguments for global diversification cannot be answered without understanding investment discipline.

In fact, the effective management of your assets will depend on whether your advisors have investment discipline.

This talk discusses what investment discipline is, what asset allocation is, the pros and cons of global diversification and the differences between different investment styles. It also discusses the weaknesses of simple industry solutions and dispels some of the myths that have arisen as a result.

Is your portfolio efficient and personal to your financial needs?

Many investors receive what is called an “efficient portfolio” customised to their personal financial needs and risk preferences. The reality is different. Most of these portfolios are incapable of managing risk and return efficiently and do not have a direct relationship with your financial needs. For the wealth management industry, so called “efficient portfolios” are merely a way of distributing asset management products and services while avoiding the complexities of personalising the portfolio to individual financial needs.

This talk provides an independent view of industry portfolio construction practises and the risks of such solutions to the individual investor.

Are your risk preferences being properly assessed and are they reflected in your portfolio?

What is risk, how many types of risk are there and which are the most important risks to the private investor?

How these risks are and should be assessed and why risk assessment is important to a successful wealth management relationship.

A great deal of risk assessment in the industry is limited in its ability to determine exactly what the individual’s risk preferences are and how the wealth manager can adapt his investment strategy to meet their needs.

This talk will discuss investment risk, how to assess it and how the individual’s aversion to different risks affect the structure, planning and management of a portfolio over time.

How to choose a wealth manager and manage conflicts of interest.

What should a wealth manager be doing for the investor, what education and information should they be providing, how should they be structuring and managing your assets to meet your needs and how can you monitor whether they are doing the job properly.

TAMRIS discusses the main factors which an individual investor has control over and, how these can be used to provide a structure in which the asset and wealth managers operate.