Goals-Based Allocation
Map your portfolio to life goals using the Liquidity / Longevity / Legacy framework
Liquidity
Maintain Your Lifestyle
Short-term reserves to cover living expenses, planned purchases, and unexpected needs. Capital preservation is the primary objective.
Longevity
Sustain Your Wealth
Growth-oriented assets designed to maintain and grow purchasing power over your lifetime. Balanced risk-return profile for wealth sustainability.
Legacy
Beyond Your Lifetime
Long-horizon assets for generational wealth transfer, philanthropy, and enduring impact. Maximum growth with tolerance for volatility.
The Goals-Based Allocation framework segments your total wealth into three purpose-driven buckets, each with its own time horizon, risk tolerance, and investment strategy. This approach, inspired by the UBS Wealth Way methodology, helps align your investments with the outcomes that matter most to you.
Covers 2-5 years of living expenses and near-term goals. Prioritizes capital preservation and immediate access. Think of it as your financial safety net.
Designed to sustain your lifestyle throughout retirement. Balances growth with stability over a 10-25 year horizon. The core of your wealth management strategy.
Assets you intend to leave behind or give away. With a 25+ year horizon, this bucket can tolerate maximum volatility in pursuit of long-term growth and impact.