Optimising and personalising our clients Investment Portfolios – our modified approach.

By Jeremy Squier, Wealth and Asset Advisors

At Wealth and Asset Advisors, our investment process is built on one central belief: every client deserves a portfolio as distinct and resilient as the Pincushion the image that inspires our company logo, colour palette and the philosophy behind our work. Like this remarkable plant, which thrives good times and is resilient during periods of adversity, your investment plan should be structured, diversified, and positioned for longevity under all market conditions.

Optimising a client’s investment strategy is not a single event, it is a disciplined, data‑driven, and deeply personal journey. Here is how we do it.

Understanding Your Financial Personality

Using the PortfolioMetrix (PMX) Edge Tool.

We begin doing a thorough analysis of your financial circumstances, needs and goals and then we map your unique financial personality using the PMX Edge tool. This is a robust behavioural and analytical system that measures how you think, feel, and respond to financial decision‑making based upon your answers to a detailed financial personality questionnaire. This gives us:

A behavioural profile that identifies your emotional triggers and risk temperament.
A risk‑mapping output that places your personalised investment positioning along the Efficient Frontier.
Time‑specific investment frameworks across:
- Short-term (2–3 years)
- Medium-term (3–10 years)
- Longer-term (10+ years)

This ensures that every objective you pursue is paired with the correct level of risk, diversification, and expected return.

The Edge tool then stipulates the exact combination of funds best suited to each time horizon, ensuring structure, discipline, and clarity at every level.

Allocating Assets Along the Efficient Frontier

The Efficient Frontier is the backbone of our investment process. It is where risk and return meet in their most optimised form. By mapping where you personally sit along this curve, we create investment allocations that:

Maximise return for a given risk level
Carefully manage downside exposure
Support strategic objectives across different timeframes

This structure ensures that short-term goals remain liquid and low‑volatility, while long-term objectives benefit from growth‑oriented, inflation‑beating assets. As illustrated in the below extract from the PMX Edge tool, we have 7 investment allocations representing Wealth and Asset portfolios along the Efficient Frontier. The green-shaded area indicates the comfort level for each investor for the longer -term investment objectives. In this example, we would not recommend an investment in the 2 highest risk/return profiles as they fall outside of the investor’s behavioural comfort zone. We could however recommend the 3 lower risk/return profiles if the investor has short and medium -term objectives.

A Multi‑Manager Approach for Deeper Diversification

We believe that no single asset manager, style, or philosophy can consistently outperform across all markets.
Therefore, Wealth and Asset Advisors intentionally use a multi‑manager, multi‑style approach combining:

PortfolioMetrix (PMX)
Methodical Asset Management
Nedgroup Core Investments

This allows us, with the PMX Edge tool to blend:

Value, growth, quality and size styles
Asset classes
Active and passive strategies
Local and global exposures
High‑conviction and stabilising positions
Alternative investments

The result?
Lower correlation, reduced volatility, and more consistent outcomes. These portfolios form the Core of our client’s portfolios and are designed for stable outcomes aligned with the investment projections we use in advising our clients. Diversified, uncorrelated positions enhance resilience and create stable long‑term return patterns, an approach we embed deeply in every portfolio.

How You Benefit

You benefit from a streamlined, expert‑supported model where:

Wealth and Asset Advisors remain your primary relationship and strategic guide.
Professional‑grade investment management enhances your plan without adding friction.
Clear roles reduce duplication, confusion, and administrative delays.
You enjoy fewer documents, quicker responses, and more time focused on what matters:
your life, your goals, your future.

Your Advisor Stays Central

This is core to our philosophy:
You work with us and not with the institutions behind the scenes.

Wealth and Asset Advisors remain central throughout your journey, supported by advanced tools, governance structures, and technical infrastructure of the investment managers we employ. This partnership model ensures:

We focus on knowing you deeply.
Operational complexity is expertly managed in the background.
Your portfolios stay aligned to your evolving goals.

Why does your Wealth and Asset Advisor use PMX and their Edge Technology?

We utilise the PMX Edge technology because it provides:

A clear, structured, evidence‑based investment framework
Disciplined but uncorrelated rebalancing by each of the managers used within the solutions
Ongoing due diligence
Support for personalised advice. This has always been at the core of how we engage with every client
Efficient administration and portfolio oversight

It enhances our ability to deliver precision, consistency, and behavioural coaching when markets turn volatile.

What PMX Delivers

Through the PMX, Methodical and Nedgroup investment infrastructure you benefit from:

Global diversification across markets, asset classes, and managers
Risk‑mapped portfolios aligned to your unique financial personality
Technology‑driven reporting for full transparency
Daily monitoring, rebalancing, and oversight
Efficient implementation with no repeated approvals
Rigorous fund due diligence ensuring only high‑conviction strategies are included

Built on Trust and Control

Your portfolio is governed under strict regulatory standards across the UK, EU, and South Africa, with strong internal checks that include:

Full visibility for both you and your adviser
Daily portfolio and fund monitoring
Transparent reporting
Robust compliance structures

This means no guesswork, just discipline, clarity, and trust.

Our Investment Philosophy in Practice

Our approach is built on values that align completely with the symbolism of the Pincushion Protea:

a. Strategic Asset Allocation as the Anchor

Diversifying across asset classes with different economic responses provides stability and enhances long‑term risk‑adjusted returns.

b. Disciplined Manager Selection

We favour managers with:

Repeatable processes and a track-record of success
Transparency
Diversified, appropriately‑sized positions
Empirical discipline (not macro guesswork)

c. Robust Portfolio Construction

Continuous monitoring, risk calibration, and strategic rebalancing maintain alignment with your risk profile while capturing the “rebalancing premium.”

d. Long‑Term Consistency Over Short‑Term Noise

We avoid aggressive or speculative strategies that can trigger emotional decision‑making and lead to long‑term harm.

Conclusion: A Portfolio That Reflects You

Like the Pincushion, structured, vibrant, resilient, your portfolio is designed to thrive across conditions, seasons, and economic cycles. At Wealth and Asset Advisors, by working with our key investment partners, we merge: