Sentient helps you balance your present needs with your future plans
We provide nuanced financial and asset protection services that are specifically designed for you, both where you're at, and where you're going
Our approach is centered on you, and your financial wellbeing
Asset Protection
Asset Protection is a component of financial planning intended to protect your wealth, assets and items from taxation, seizure or losses.
Sentient Wealth addresses aspects of taxation and seizure through both its Wealth Management & Asset Protection role, but losses from unforeseen circumstances or events are covered under its Asset Protection category only. Viewed holistically, to implement the best Asset Protection strategies, you need to view Asset Protection from taxation and seizure as part of your Wealth Management component.
With Asset Protection, you need to ensure that your assets or items are comprehensively protected from financial or other loss, as this could create a substantial hole in your wealth planning if not addressed. You also need to do so in a cost-effective manner, optimizing your net cash flow position, further enhancing your wealth creation outcome.
With Asset Protection, you need to ensure that your assets or items are comprehensively protected from financial or other loss, as this could create a substantial hole in your wealth planning if not addressed”
Wealth Management
What is Wealth?
Wealth is a factor of your personal or business balance sheet, represented by assets and liabilities, and personal or business income statement, represented by net cash flow, i.e. income minus expenses.
To grow your net income, in addition to increasing your active income over time, you need to build up a portfolio of assets that generate and grow your passive income over time”
To truly grow your wealth, you need to grow your equity, which is the difference between your assets, proprietary rights that generate income and grow in value, and liabilities, proprietary rights that generate expenses. This is a gradual process that happens over time, but can be achieved sooner with the right strategies and a lot of patience. Naturally equity is increased by increasing your assets and decreasing your liabilities, although in many instances increasing your liabilities could also help in creating equity.
To grow your net income, in addition to increasing your active income over time, you need to build up a portfolio of assets that generate and grow your passive income over time. Net income or cash flow is an important part of building equity, as it allows you to directly add to your assets, or service liabilities that are used to generate equity.
If wealth therefore boils down to equity and net cash flow, wealth management is the process of maximizing equity and cash flow, as well as protecting the assets that you have already accumulated, ensuring that these are passed on to your beneficiaries, dependents or descendants. Wealth management is truly a generational concept and must be structured in such a way that it is protected and preserved from each generation to the next.
Wealth Protection
Wealth Creation
Before you can even consider growing your wealth portfolio, you must protect those assets that you have already accumulated. In essence this means protecting your equity and net cash flow positions.
Protecting your equity is done by ensuring that your liabilities are settled should something happen to you. Similarly, your net cash flow is protected by ensuring that your active income is covered or replaced should something happen to you.
Once your existing assets are protected, you can now consider expanding your wealth portfolio by accumulating additional assets that provide additional equity and income.
In almost all instances, cash flow is required to grow your assets, but this creates a wealth generation spiral, with cash flow creating assets and assets creating cash flow. This is the eventual result of effective wealth management.
Why need a wealth manager?
An independent, qualified and experienced wealth manager is critical in optimizing this process, ensuring effective wealth accumulation over time with the goal of financial independence in mind.
You are coming up to retirement
You can't push the button
You have specifically complex tax issues
You don’t have the time to learn, implement or maintain your plans
There are trusts involved in your wealth planning
Professional, tailored advice and bespoke solutions
Eliminating the noise to provide clear, efficient and cost effective solutions
This report has demonstrated the very real value of advice for the consumer. Using robust statistical methods to control for a range of factors likely to determine demand for advice – including income, wealth and behavioural traits - our results show that those who take advice are likely to accumulate more financial and pension wealth, supported by increased saving and investing in equity assets, while those in retirement are likely to have more income, particularly at older ages. Our results therefore demonstrate, in a statistically robust way, the importance of financial advisers in delivering true value for their customers. For those who use advisers, this is unlikely to come as a surprise. Our research found high levels of trust and satisfaction amongst those who use financial advice, and a general reluctance to seek a second opinion on the advice received, which is perhaps symptomatic of customers being pleased with their adviser’s service.”
Extract from “The value of financial advice – A research report from ILC-UK” published in 2017
A wealth manager has a variety of focus areas when assessing your unique needs:
Lifestyle Maintenance
Lifestyle Enhancement & Event Planning
Family Continuity
Philanthropy
Risk Management
Savings and Budgeting
Buying Assets, Retirement Planning, and Going on a Trip
Insurance, Investment Allocation, and Portfolio Rebalancing
Generational Wealth Transfer, Children Education Planning, and Children Marriage Planning
