Investment Advisory

 
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Clarity

Drawing from our experience working with ultra-high net worth families, we review clients' portfolios and suggest areas for improvement based on risk, taxes and fees.

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Focus

VPA builds strategies that aim to optimize wealth and client objectives.

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Results

A transparent, strategically designed portfolio aligned with objectives.




Philosophy

Vernal Point's philosophy is built from decades of investment experience. Optimal success is achievable through customized portfolios, risk management and cost mitigation.

  • All clients have a unique financial situation and deserve a customized plan

  • Risk is key

    • Win by not losing

    • Clients should understand and feel comfortable with risks taken

  • Evaluate returns net of fees AND taxes

  • Sound proprietary frameworks improve decisions and enable focus during all market conditions


Process

Customization

Each portfolio is customized to maximize the probability of achieving each client's goals based on changing market conditions. Our methods of customization include:

  • Use of planning-optimized objectives and constraints

  • Asset location strategies and cross-entity optimization

  • Efficient portfolio completion and transition strategies

  • Separate accounts

  • Custom reporting

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Risk Management

At VPA we believe in managing risk, above returns. Our process includes defining and measuring risk. Then we construct a portfolio with risks the client understands and is comfortable taking. Specifically we deploy the following:

  • Manager evaluation and due diligence processes

  • Market cycle framework

  • Quantitative and qualitative risk analysis

  • Horizon-matched robust optimization framework

  • Risk diversification and risk budgets



Cost Mitigation

The burden of fees and taxes on a portfolio's returns can be significant and will compound over time. To mitigate this burden, the techniques we utilize include:

  • After-tax asset allocation frameworks

  • Post-cost performance measurement and benchmarking

  • Negotiated pricing with investment managers

  • Tax loss harvesting and tax arbitrage strategies


Services Available

Discretionary and non-discretionary investment management services are both available, and can be unbundled from our financial planning or family office services.

For investment management clients, Vernal Point Advisors will also provide consulting and reporting on unmanaged assets.

For prospective clients meeting our investment minimums, initial portfolio reviews are complementary.

 
 

Financial Planning

 
 
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Clarity

Our comprehensive wealth planning strategies are designed to assist our clients with achieving their tax, estate and financial objectives.

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Focus

VPA designs strategies to optimize wealth.

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Results

A tax, estate and financial plan provides confidence in a secure future.

 
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Discovery

Our planning process provides a clear context for decision making based on a client's situation and objectives. This methodical process includes client interviews, meetings with clients' other professionals, and document reconciliation on an ongoing basis.


Modular Financial Planning

Our clients often ask us questions such as "How much can I spend?", or "How much can I give?" Although we can provide approximate answers fairly quickly, the ultimate answers really depend on the actions our clients take. We support our clients with the development and evaluation of alternative courses of action. The planning services we deliver include the following:


Financial Modeling

  • Projections and scenario analysis

  • Retirement planning

  • Situational planning


Tax Planning

  • Income tax mitigation strategies*

  • Planned giving strategies

  • Estate planning strategies*


Specialized Planning

  • Executive compensation planning

  • Business exit planning

  • Divorce or estate administration support


Other Planning

  • Budgeting and cash flow management

  • Debt optimization

  • Insurance program optimization

  • Evaluation of tax, insurance, and estate professionals

* Vernal Point does not provide tax or legal advice. We focus on supporting clients' tax and legal professionals with strategic planning and financial modeling.


Integration

Additional value can be created by integrating various planning strategies developed for our clients. This involves frequent interaction with the client's legal and tax professionals to determine how to optimize objectives and strategies.

The planning process also generates insights that inform the construction of customized investment portfolios for our clients. To preserve these insights, we assign each client a cross-disciplinary professional to be involved throughout all processes.


Communication

Client buy-in is essential for success.  To this end, we educate our clients throughout the process and document our mutual understanding to establish standards by which we are held accountable.

 
 

Family Office: Executive and
Administrative Services

 
 
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Clarity

Our team brings experience solving complex administrative burdens imposed by wealth.

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Focus

Create efficiencies that streamline our client's multifaceted lives.

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Results

Our clients' stress levels and the demands on their time are greatly reduced.

 

Family Office Services

For clients with complex needs, we can coordinate the services listed below. When projects require domain specific expertise, we leverage our network of professional service providers to lower costs and broaden access to best solutions.

Administrative Services

  • Financial Reporting

  • Financial and legal document management

  • Personal financial administration

  • Tax administration

  • Trust and foundation administration


Executive Services

  • Comprehensive risk management

  • Execution of financial planning and estate strategies

  • Management of complex projects such as business exits

  • Sourcing and vetting of personal services providers

Support Services

  • Coordination of family meetings

  • Customized financial education curriculums

  • Crisis support / emergency contact services