At Stephan Independent Advisory our goal is to help you understand your family’s finances in a clearer manner.

We use a logical, straightforward framework to help you demystify your wealth, and understand how you can use it to achieve your financial goals.

This framework describes the delineation of your wealth based on its intended use, and helps you separate the essential, non-essential and aspirational elements of your finances.

These quadrants make up your Dimensions of Wealth framework, and enable us to understand and allocate your wealth appropriately, in ways that are designed to meet your financial goals.

click on the bucket to use our interactive diagram

This is wealth that’s acquired by your family through business dealings. It might be through annual income, a family business, or from business ventures of which you have passive ownership. This is traditionally where most of your wealth is generated.

This is wealth that’s accumulated to maintain the lifestyle you’re accustomed to. Lifestyle wealth is fed from your core wealth, and includes assets such as your home, car, investment in a holiday home, or an art collection.

This is wealth that’s acquired by your family through business dealings. It might be through annual income, a family business, or from business ventures of which you have passive ownership. This is traditionally where most of your wealth is generated.

Core wealth is the bulk of your wealth that’s derived from the income generated by yourself or your family business. This quadrant covers the funds required to live comfortably, and to be spent on non-negotiable items and necessities like food, health care, education, and housing expenses. We will use our liabilities-driven investment framework to help you earmark the correct level of capital for this quadrant.

This is wealth that’s acquired by your family through business dealings. It might be through annual income, a family business, or from business ventures of which you have passive ownership. This is traditionally where most of your wealth is generated.

This is wealth that’s accumulated to maintain the lifestyle you’re accustomed to. Lifestyle wealth is fed from your core wealth, and includes assets such as your home, car, investment in a holiday home, or an art collection.

This is wealth that’s acquired by your family through business dealings. It might be through annual income, a family business, or from business ventures of which you have passive ownership. This is traditionally where most of your wealth is generated.

Once your critical, non-negotiable objectives are taken care of within your core wealth quadrant, and the priorities and cost of your lifestyle are accounted for, then surplus funds may be directed elsewhere again. This is your venture wealth quadrant, the high rish speculation ventures that seek an above average return, while taking on greater levels of risk. However, it’s important to note that the greater level of return on these investments can in some instances come at the cost of illiquidity, a lack of transparency, reduced diversity, and uncertainty of the outcome—so speculating in this way is only appropriate if all your other needs are conservatively met.

This is wealth that’s acquired by your family through business dealings. It might be through annual income, a family business, or from business ventures of which you have passive ownership. This is traditionally where most of your wealth is generated.

At Stephan Independent Advisory our goal is to help you understand your family’s finances in a clearer manner.

We use a logical, straightforward framework to help you demystify your wealth, and understand how you can use it to achieve your financial goals.

This framework describes the delineation of your wealth based on its intended use, and helps you separate the essential, non-essential and aspirational elements of your finances.

These quadrants make up your Dimensions of Wealth framework, and enable us to understand and allocate your wealth appropriately, in ways that are designed to meet your financial goals.

click on the buckets to use our interactive diagram

This is wealth that’s acquired by your family through business dealings. It might be through annual income, a family business, or from business ventures of which you have passive ownership. This is traditionally where most of your wealth is generated.

Core wealth is the bulk of your wealth that’s derived from the income generated by yourself or your family business. This quadrant covers the funds required to live comfortably, and to be spent on non-negotiable items and necessities like food, health care, education, and housing expenses. We will use our liabilities-driven investment framework to help you earmark the correct level of capital for this quadrant.

This is wealth that’s acquired by your family through business dealings. It might be through annual income, a family business, or from business ventures of which you have passive ownership. This is traditionally where most of your wealth is generated.

This is wealth that’s accumulated to maintain the lifestyle you’re accustomed to. Lifestyle wealth is fed from your core wealth, and includes assets such as your home, car, investment in a holiday home, or an art collection.

Once your critical, non-negotiable objectives are taken care of within your core wealth quadrant, and the priorities and cost of your lifestyle are accounted for, then surplus funds may be directed elsewhere again. This is your venture wealth quadrant, the high risk speculation ventures that seek an above average return, while taking on greater levels of risk. However, it’s important to note that the greater level of return on these investments can in some instances come at the cost of illiquidity, a lack of transparency, reduced diversity, and uncertainty of the outcome—so speculating in this way is only appropriate if all your other needs are conservatively met.

podcast

Whether you have significant financial resources and question the meaning of success, or you’re wondering whether being that little bit wealthier will make you happier, this is the podcast for you. The It’s Never About Money site is also a hub for money related blogs and education.

visit the site

listen to the podcast on

DR. ELSPETH MCKAY

Joe & James’ professional practice is to be admired. They are always there for his clients when needed. They freely pass on their expert knowledge without hard product selling techniques.

Professor

Mr John and Dr Kim Watty

Clear, timely and direct responses in all areas of communications are outstanding. Meetings are planned and run efficiently to deliver on all our expectations. The firm’s values align to our own so that trust is readily established.

Self funded retirees