Investment Strategy

First and foremost, CB Capital is a private wealth advisory firm.

CB Capital believes, financial planning can lead to the long-term success of financial objectives that wealth management offers. By taking a financial summary of our client’s position, we can incorporate a suitable blend of investments along with the most effective means of satisfying tax efficiency and liquidity requirements.

CB Capital provides superior wealth management facilities and financial planning services working together to produce outstanding results. Our approach of developing long-term relationships and understanding our clients’ needs means that we can make effective adjustments to their planning as and when circumstances dictate. Our handpicked advisers are amongst the most skilled in their given field and we are constantly driving for the best, challenging them to make advancements in their skill set through study, examinations and continuing professional development.

Everything we do is designed to pursue the potential in your investment portfolio. It requires a level of dedication—and even a philosophy—you simply won’t find in a conventional wealth management firm.

It also requires focus. It means we act as a fiduciary in the context of an individualized investment strategy. And to that end, we also recommend a comprehensive financial plan that informs asset allocation and other key decisions.

Private wealth management

Private wealth management is an investment advisory practice that incorporates financial planning, portfolio management and other aggregated financial services for private individuals, not for corporations, trusts, groups or other types of clients.

From the private client’s perspective, private wealth management is the practice of solving or enhancing her financial situation and achieving her short-, medium- and long-term financial goals with the help of a financial adviser. From the private financial adviser’s perspective, private wealth management is the practice of delivering a full range of financial products and services to an affluent clientele as a financial consultant so that the clientele can achieve specific financial goals.

Private wealth management services can be provided by larger corporate entities such as CB Capital, independent financial advisers or multi-licensed portfolio managers who focus on high-net-worth private clients.

Large banks and large brokerage houses offer various investment products to individuals, although many private individuals lack the time, effort or knowledge to manage their finances successfully. To make up for what may be lacking, private individuals seek the consultation of wealth managers who specialize in managing the finances of private individuals, often high-net-worth individuals (HNWI).

The wealth manager sits down with the private individual and goes over the financial goals that the client would like to attain. Then, the wealth manager puts together an investment strategy to help that person achieve her goals. The wealth manager manages the client’s money and invests in the investment products that make sense for the client.

What kinds of private equity investments are out there

Though venture capital is one particular type of private equity, there are also other investment opportunities in well-established private or public companies. Though most private equity investment opportunities require steep initial investments, there are still some investment opportunities available to every investor.

The Appeal of Private Equity

Private equity investments are coveted by investors due to the lack of outside public influence on the share price. Many times, a group of institutional and accredited investors pool their money together so they can purchase a large privately traded company with hopes of revamping the capital structure or otherwise improving the company’s finances, then selling the company or cashing out in an initial public offering (IPO) at a later date.

Investing in Private Equity

For investors who are not in a position to put forth millions of dollars for long-term investments, private equity is often ruled out of a portfolio – but it shouldn’t be. There are private equity investment firms whose sole business activity is this type of acquisition, management and profitable disposition. These entities are called business development companies, and many of these firms offer privately traded stock, allowing average investors the opportunity to own a slice of the private equity pie.

Under what circumstances would I require private wealth management

An investor who is a high-net-worth individual (HNWI) may require private wealth management services. HNWIs have unique financial situations that require greater diligence and a higher degree of active management. Further, HNWIs require a more holistic approach to investment management than many financial advisers are capable of providing. HNWIs can have issues with income taxes, estate planning, investment management and other legal issues that need more attention and specific expertise than traditional investment advisers are qualified to give.

Many private wealth management firms are smaller groups within larger financial institutions that are focused on providing personalised service to their clients. Their main objective is to manage and grow the assets of their clients to provide for future generations. These groups often have a variety of advisors and expertise that provide guidance across a wide spectrum of investments including cash, fixed income, equities and alternative investments.

Most private wealth management firms are fee-based. They charge their clients a percentage of the assets under management as fees. HNWIs may believe that fee-based financial advisors have fewer conflicts of interest as opposed to traditional commission-based advisors. Commissioned advisors can push investors towards front-end and back-end load mutual funds that charge significant commissions and do not offer any better performance than no-load funds. Front- and back-load funds are often not in the best interests of investors. A fee-based advisor can create a portfolio of assets that meets the investor’s risk tolerance while also offering the opportunity for growth.

Some HNWIs may want to consider opening a family office. A family office provides a wider range of services tailored to meet the needs of HNWIs. From investment management to charitable giving advice, family offices offer a total financial solution to high net worth individuals. There are two types of family offices: a single-family office supports one affluent individual or family, while the more common multifamily office supports multiple families and individuals. Multifamily offices are more prevalent due to economies of scale that allow for cost sharing among the clientele served. Technological advances have allowed many larger financial advisor companies to provide services online at reduced costs. Despite the gravitation of many investors to these types of services, many HNWIs want a more personalized approach to their finances, even with the associated additional cost.

There is no set definition for who qualifies as an HNWI, although most seem to agree that individuals with liquid assets in excess of $1 million falls into this category. The U.S. Securities and Exchange Commission (SEC) defines an accredited investor as an individual or family with liquid assets in excess of $1 million, excluding the value of the primary residence. According to SEC regulations, only accredited investors may participate in certain types of investments, such as private placements and limited offerings. Accredited investors are more sophisticated investors and have less need for government filings versus non-accredited investors. Thus, the accredited investor definition may be the most logical definition of an HNWI in the United States.

Become Our Client

Just as the proverbial thousand-mile journey begins with a single step, the path to lifelong prosperity begins with making a single decision. Today's financial world with its complexities and rapidly changing perspectives means that simply doing nothing is actually a far riskier proposition than taking a sensible, professionally-guided approach.

With our help, you can be sure that, whatever the future brings, your finances will never be an impediment.