Analysis for Individuals
Our first approach is gaining a comprehensive understanding of the client, and their entire portfolio. This encompasses a full understanding of the financial needs and future goals of the client. Out of this analysis, a number of aspects are addressed, including:

Risk Management
After identifying income and capital liabilities in the portfolio, the resilience of our client’s portfolio in the event of death, disability and retirement is tested.

Estate Planning and Management
While an individual’s focus is on wealth creation, few reflect on the distribution of wealth to financial dependents on death. A review of an estate plan will reveal the appropriateness of the final Testament and financial structures associated with the continued management of financial structures, such as trusts and companies, which will maximise the benefits to dependents.

Tax Structuring
The next strategy to review is a client’s exposure to the array of local and offshore taxation structures. Tax structuring is integrally linked with wealth creation for the future, and maximising current and future investments.

Investment Management
Combining the composition, risk profile, and tax structuring of the investor’s entire portfolio, a current risk/return model is identified. The accent is on diversifying a portfolio to balance high and low risk asset classes to meet the investment goals within the confines of the client’s appetite for risk. Asset allocation strategies are adopted using all five asset classes, reducing risk while enhancing the potential to achieve targeted investment returns over time.

The key to retiring comfortably is to maintain your income stream with inflation. AJM prides itself on designing structures of clients that ensure that income generated out of our client's portfolios will grow with inflation. AJM will test your current portfolio against inflationary escalations of income for life, and identify areas of growth to increase the likelihood of your income growing each year.

End Result
Once the assessment is completed, you will receive an independent review of your portfolio and how it links with your risk management and estate plan. Areas of strength and growth will be identified. Should a potential working relationship be formed, recommendations regarding solutions will be made.

 
 
report March 2008
report December 2007
report September 2007
report June 2007
report March 2007
report December 2006
report September 2006
report June 2006
report March 2006
December 2005
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  Please note that the above documents are in MS Word format when downloading


Analysis for Companies
Directors and owners of companies have onerous responsibilities to their staff and each other to ensure the continuous management of the business in the event of any eventuality. AJM will review the company's partnerships, key individuals and staff packages for the directors.
Disability Benefits
The biggest threat facing employers is the disability of a staff member. The Labour Relations Act places the onus on the employer to assist the disabled staff member to be rehabilitated.
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AJM Asset Management Strategies is an independent financial consultancy providing comprehensive financial solutions for individuals. Managed by Alastair Mackie, who has 13 years of experience in the industry, the philosophy of the business is to assist and guide our clients to have a financial model that will enable them to achieve goals, retire in a lifestyle they are accustomed to, and pass wealth from one generation to another.
   
 
 

 

 
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