WEALTH MANAGEMENT

At Encore, we pride ourselves on a full family office service, this means we look after everything from understanding your purpose and what makes you happiest, and helping you achieve those goals, to helping you navigate your wealth.

Wealth management, and preservation is how Encore began, and is still part of our core today.

We adopt a systematic evidence based investment philosophy, building robust, diversified portfolios that are spread across different asset classes, reflecting your attitude to risk.

Our dedicated team monitors your account and investments regularly to ensure that the investment strategy works for you, this paired with regular reviews, and your own log-in to our portal ensures that you are always aware of what your wealth is doing for you. This provides a high degree of protection against the effects of market volatility.

WE ADOPT A SYSTEMATIC EVIDENCE BASED INVESTMENT PHILOSOPHY

We were one of the first family offices to adopt this ‘evidence-based’ philosophy and, as already seen in the USA and Canada, the shift to systematic funds is now a long-term trend, rather than trying to ‘outperform the market’. This approach sounds simple, however, we do not adopt this approach for simplicities' sake, we adopt a systematic approach to wealth management because there is empirical evidence and research suggesting that this is the best route for clients.

What is evidence-based investing in wealth management?

Evidence based investing is based on years of research and empirical evidence.

Encore's systematic approach aims to capture stock market returns through a low-cost, diversified investment strategy. We don’t believe you can consistently outperform the market, because whilst there may be some short term gains, over the long term, the constant switching, buying and selling, will cost more in fees than playing the long game and following the market.

To establish the best investment strategy Encore’s founders, Richard Wood and Igors Alferovs travelled across the globe to meet some of the worlds most respected wealth management gurus, these included the late John Bogle, creator of the first index fund for individual investors; Burton Malkiel, Professor of Economics at Princeton University; Eugene Fama, the ‘Father of Modern Finance’ and financial theorist, William Bernstein.

Richard and Igors have also worked with investment writer Larry Swedroe to produce the UK edition of ‘Think, Act, and Invest Like, Warren Buffett’.

Portfolio Governance

At Encore, we offer a full portfolio governance service. That means we help you construct an investment portfolio which works for you, for the here and now, and for the future. We work to make sure that your portfolio is tax efficient, and tailored to your needs.

Portfolio governance focuses on your long term goals, how much ready access to cash you might need, how much you want to invest in certain endeavours, and support loved ones. But as a family office Encore takes portfolio governance further.

When you become high net worth we understand that your investments may consist of several asset classes. By using our portfolio governance services allows complete visibility of all your investments and costs enabling easy tracking of your wealth and the ability to rebalance to your desired asset allocation.

As families grow, and wealth grows, portfolios can get more complex. We understand that.

Tax and Financial Management

Strategising with you to optimise your wealth, and ensure its longevity.

We know that tax management isn’t the ‘exciting’ part of wealth management. That’s why we have a dedicated team to manage your tax responsibilities for you.

There is a huge overlap between tax management and wealth management. Once we understand your long term goals, we are able to apply legitimate tax mitigation strategies which help preserve your wealth and reduce your tax.

Tax planning and management is a complex area and subject to regular change, as your Family Office we ensure that your wealth is managed in the most tax efficient way.

Strategising with you to optimise your wealth, and ensure its longevity.

Family Wealth and Preservation

Our personalised service, setting your unique wealth goals, and managing your finances to meet them.

We understand that every family is different, and that conversations around family finances can be uncomfortable at times. We work with clients to understand their wishes, and put in place wealth management strategies to preserve their wealth across generations. With decades of experience we are able to help create open communication between key stakeholders in family wealth and ensure that structures are put in place to pass it on through generations in an efficient manner.

We help you put in place trusts, and protection strategies that allow wealth to be protected generationally without you losing control of your hard-earned money.

Cash Management

Safeguarding and simplifying your cash management.