“The bamboo that bends is stronger than the oak that resists.”
Saigyō Hōshi (西行法師), 12th-century Japanese poet and Buddhist monk
At Fairfield Stern, we believe your wealth is more than a number—it’s the foundation for your dreams, family, and legacy.
Our risk management services are designed to safeguard your assets against life’s uncertainties, from market volatility to personal transitions. With a sophisticated yet accessible approach, we create tailored strategies to preserve your wealth while supporting your long-term goals. Whether you’re planning for retirement, building a charitable legacy, or securing a business, our expert team ensures your financial future is protected with clarity and confidence.
A Smart Approach to Wealth Protection
Risk management is the heart of a strong financial plan, especially for high-net-worth individuals navigating complex markets. At Fairfield Stern, we take a proactive approach, identifying risks and crafting solutions that align with your unique needs. From market downturns to tax challenges, our strategies help you preserve wealth and pursue your vision without worry. Inspired by industry best practices, we blend proven techniques with personalized guidance to keep your finances secure.
Key Strategies for Wealth Preservation
Our risk management techniques are designed to protect your wealth while balancing growth and stability. Here’s how we help:
Diversification
Spreading investments across stocks, bonds, real estate, and alternatives like private equity reduces risk. By choosing assets that move independently, we stabilize your portfolio during market swings. For example, bonds or commodities can offset stock market dips, keeping your wealth steady.
Asset Allocation and Rebalancing
We design portfolios to match your risk tolerance and goals, balancing growth and safety. Regular rebalancing ensures your investments stay on track, trimming overperforming assets to avoid excessive risk. This keeps your portfolio aligned with your long-term plan.
Hedging
For concentrated assets, like a business or large stock holdings, we use tools like options to protect against losses. These strategies act like insurance, preserving value without selling key investments. Our team tailors hedging to fit your needs.
Tax Efficiency
Taxes can erode wealth, so we use strategies like tax-loss harvesting to minimize liabilities. We work with your tax advisors to ensure your plan maximizes after-tax returns, protecting more of your wealth.
Estate Planning
A well-crafted estate plan prevents delays, reduces taxes, and ensures your wishes are followed. We help create wills, trusts, and powers of attorney, collaborating with your legal team to streamline asset transfers and avoid probate. This protects your legacy for family or charities.
Insurance
Life, health, or long-term care insurance shields your family from unexpected costs. For high-net-worth clients, we may recommend tax-advantaged insurance solutions to enhance wealth preservation.
Liquidity Management
Having cash or liquid assets ensures you can handle unexpected expenses without disrupting investments. We design cash flow plans, including dividends and scheduled withdrawals, to provide steady income, especially for retirees or business owners.
Why Fairfield Stern?
Our risk management services stand out for their precision and care:
- Personalized Plans: We start with your goals and risk tolerance, creating solutions tailored to your life, whether it’s retirement or legacy planning.
- Teamwork: We collaborate with your legal and tax advisors for a seamless strategy, ensuring every detail is covered.
- Ongoing Care: We monitor and adjust your plan as markets or your needs change, keeping your wealth secure.
- Sustainable Options: For clients who value impact, we offer ESG-focused investments to align with your values
- Clear Costs: Our transparent fees ensure you understand the value of our services.
Risks to Watch
We address key risks to protect your wealth:
- Market Swings: Diversification and hedging reduce losses during downturns.
- Liquidity Needs: We balance illiquid assets with accessible ones for flexibility.
- Tax Changes: Proactive planning adapts to evolving tax laws.
- Longevity: Sustainable income strategies ensure you don’t outlive your capital.
Start Protecting Your Future: Contact our Tokyo, Japan Office
Risk management is about building a secure foundation for your financial dreams. At Fairfield Stern, we simplify the process, offering clear, tailored strategies to protect your wealth. Contact us today for a complimentary consultation to discover how we can help you secure your future with confidence and ease.