IPS Framework · Methodology

IPS: principled, bounded,and reviewable decisions

The Investment Policy Statement is a long-term wealth document defining objectives, risk constraints, allocation principles, liquidity needs, rebalancing rules, discipline, and review mechanism.

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What an IPS is

A long-term wealth management document that defines a client’s objectives, risk constraints, allocation principles, liquidity needs, rebalancing rules, discipline, and review mechanism.

Why an IPS

HNW families and institutions often hold cash, property, businesses, securities, insurance, and cross-border accounts at once. Without one framework, assets drift apart — causing risk exposure, liquidity mismatch, goal conflict, or indecision. The IPS puts them back into one long-term decision system.

A six-step planning framework

KYC / Discovery

Gather personal, family, identity, balance-sheet, income, experience, and liquidity information.

Risk Profiling

Assess capacity and willingness for risk, horizon, and loss tolerance to set allocation boundaries.

Goals & Priority Matrix

Classify and rank education, retirement, protection, succession, liquidity, and growth goals.

Cash Flow & Funding Gap

Model long-term cash-flow pressure, funding gaps, and the required return range.

Draft the IPS

Document objectives, constraints, allocation principles, rebalancing rules, and discipline.

Implement & Review

Build the execution path and review, update, and adjust at an agreed cadence.

DeliverablesDeliverables

Diagnostic documents

Client & asset-structure inventory
Financial goals inventory
Balance-sheet overview
Cash-flow & liquidity needs
Risk capacity assessment

Planning documents

Goal priority matrix
Asset-function layering
Risk boundaries & allocation constraints
Asset allocation principles
Insurance & securities role definition

Execution & review documents

Investment Policy Statement (IPS)
Implementation roadmap
Product & platform access advice
Rebalancing & review mechanism
Annual review & adjustment log

Get Started

Talk first, then plan.

Assets scattered across cash, property, a business, securities, insurance, and cross-border accounts — without one decision framework? Book a ~30-minute diagnostic conversation.

Schedule a 30-Minute Diagnostic