For families with complexity, your needs are varied. 

At Stephan Independent Advisory we understand that your investment strategy requires a holistic approach, one that reflects the uniqueness of your family’s specific requirements.

Liabilities-driven investing is a framework that assists in devising an asset allocation for your capital that’s based on your family’s unique needs and the timeframes for meeting each specific financial goal.

We have created proprietary software based upon our unique portfolio construction methods that enables us to create a bespoke plan for your investment goals. This software, coupled with our acumen and experience, allows us to devise a tailored portfolio that takes the following considerations into account.

Needs assessment

We work with you to define your priorities and financial objectives, mapping them out based on their individual timeframes

We organise these into categories of essential, important, and aspirational objectives

This allows us to determine the priority, appropriate risk level, and liquidity requirements for each goal

Capital demarcation

We calculate the amount of capital you need to fund each specific priority, and ensure you have the available resources to meet these goals

We then calculate the funds that need to be invested today in order to reach this future goal

How it works

Asset class selection

The timeframe of each goal determines the asset class we select for your investments

We match each objective with return factors, chosen for their capacity to either protect and/or fund each specific objective whilst ensuring they provide the liquidity necessary to access capital where an objective timeframe is short term in nature

Portfolio feasibility assessment

We then review your investment strategy to ensure its suitability against your appetite for risk within your long-term plan

Back-testing your portfolio against historic situations, and even crises, allows us to test it against theoretical crises and stressful market conditions

Our aim is to confirm that we have created a robust portfolio that meets your objectives, while still navigating volatility

This is more than just investment advice.

A liabilities-driven investment framework creates a bespoke asset allocation that’s tailored to suit the unique needs of your family, and is an effective way to mitigate the uncertainty you may feel in achieving your future financial goals.

This approach means that you have the right amount of capital in the right assets, enabling you to achieve your objectives without any compromise.

Liabilities-driven investing creates a roadmap for your future. We ensure you take the right roads to get there on time, and safely.


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.

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Dr. Kevin Adams

Joe & James were able to provide me with the impetus to take the next step into retirement which could have been delayed without quality financial advice.

Self funded retiree

Paul Marsh - Principal

Stephan Independent Advisory took the time to understand our situation & tailor their advice & solutions to our specific needs which, being a business owner, can be quite complex. 

P2 Group - Business Owner