Process is the journey;
prosperity is the destination.
Our process is designed to bring structure and discipline to long-term decision-making — particularly in environments where outcomes are uncertain and markets are constantly evolving.
We help to simplify the complex.
The journey of building your wealth, let alone reaching the very top, is difficult as it is. Whether you have summitted or are still on the path, we at York believe all our journeys are improved by the company we keep.
We help to simplify the complex, plan a route, keep you on the path and spot rare opportunities as they come by.
Owning your financial security brings joy, and the journey should be the same.
A key part of the process is helping clients make clear decisions, by keeping you on the right path during periods of uncertainty, where emotional responses can otherwise lead to poor outcomes.
Your journey with York.
Six steps, from the first conversation to a portfolio that is reviewed and refined for as long as we work together.
- 01
Understanding your vision
We begin by understanding your financial landscape, family dynamics and long-term aspirations. Every strategy is grounded in what matters most to you.
- 02
Structuring your foundation
Working with your accountant and lawyer, we put in place robust structures that serve as the backbone for your financial strategy, providing a solid and secure base for growth.
- 03
Strategic asset allocation
Our team builds diversified portfolios designed to balance risk and performance, capturing opportunities in both domestic and international markets.
- 04
Your Investment Policy Statement
A carefully crafted Investment Policy Statement (IPS) ensures every investment decision aligns with your goals, risk tolerance and long-term strategy.
- 05
Implementing your strategy
We seamlessly execute the agreed strategy, ensuring transparency and communication throughout the process.
- 06
Ongoing review and optimisation
Regular portfolio reviews and strategy adjustments keep your wealth aligned with evolving market conditions and personal circumstances.
Investment framework.
We allocate capital through a macro-driven framework — identifying where we are in the cycle before deciding where to invest.
Our approach is unconstrained. We are not aligned to any one firm, product or geography. Capital is allocated on merit, and exposures are adjusted as conditions evolve.
Preserve, compound & protect capital
Portfolios are designed to navigate changing market conditions while maintaining disciplined exposure to growth. Downside control matters as much as upside capture, with risk managed at the portfolio level. Core holdings provide stability, while satellite positions are used to capture specific opportunities and express higher-conviction views.
Asset cycle & rotation framework
We position portfolios based on where conditions are heading — not where they have been. As liquidity, economic conditions and risk appetite shift, exposures are adjusted accordingly.
Allocate on merit
Every position must justify its role within the portfolio — based on risk, return and how it interacts with other holdings. Assets are selected deliberately, sized intentionally and reviewed continuously.
Access & perspective
Through ongoing engagement with managers, allocators and market specialists — alongside insights gained through The Rate of Change — we maintain a broad view of the investment landscape.
This allows us to assess opportunities objectively, identify structural strength and refine exposures with clarity and conviction over time.
This framework sits within an ongoing advisory relationship, ensuring your portfolio remains aligned as your objectives and circumstances evolve.
Implementation and structure.
We implement and manage portfolios through a centralised platform partner, providing full transparency, consolidated reporting and institutional-grade custody of assets.
One clear view
The platform enables all investments to be managed within a single structure, offering clear visibility across holdings and fees.
An integrated portfolio
Portfolios are constructed using a combination of direct investments, managed funds and specialist strategies, often accessed through a fund-of-funds or multi-manager approach. This allows capital to be allocated across asset classes and managers within an integrated portfolio.
Built to adjust
The structure enables active asset allocation, efficient rebalancing and ongoing adjustment as conditions and opportunities evolve.
The right structure for each role.
No single investment structure is best. Managed funds, managed accounts, direct shares and investment bonds each do a different job. We choose the structure that suits the role an investment plays in your portfolio, then bring them together so you see one picture.
| Managed funds | Managed accounts | Direct shares & ETFs | Investment bonds | |
|---|---|---|---|---|
| What you own | Units in a fund, which in turn owns the underlying investments. | The individual investments in the model, held for you by the platform’s custodian. | The shares or ETF units themselves, held for you by the platform’s custodian. | A life insurance policy issued by a specialist life company, invested in the options you choose. |
| What it does best | Access to specialist managers and asset classes that are difficult to hold directly. | A professionally managed portfolio of listed investments, with every holding visible. | Specific positions, low-cost market exposure and targeted views. | Long-term saving outside super, investing for children and passing wealth to a chosen person. |
| Control | Managed by the fund manager. The fund’s rules apply to every investor. | Follows the manager’s model, with changes applied across your holdings. | Full control over what is held and when it is bought or sold. | Switch between investment options within the bond. Additional contributions are limited each year. |
| Tax | The fund distributes income and realised gains. Timing is set by the fund. | Gains and losses arise on your own holdings, based on your own purchase dates. | Gains and losses arise on your own holdings, when you choose to sell. | Earnings are taxed within the bond, so there is nothing to declare each year. Withdrawals after ten years carry no further personal tax. |
| Reporting | Periodic holdings disclosure from the manager, reported through the platform. | Every holding visible on the platform. | Every holding visible on the platform. | Held and reported by the bond issuer. |
| Costs | Management fee within the fund, plus any performance fee. | Model manager fee, plus trading costs within the model. | Brokerage on each trade. ETFs also carry a management fee. | Administration and investment option fees. |
Platform administration fees also apply to investments held on the platform. York does not provide tax advice. We work with your accountant on the tax position of any structure before it is put in place.
Private investments, reported alongside the rest.
Some investments cannot be held in a platform’s custody. Our platform’s non-custodial administration service means these can still be administered through it. The investment stays held outside the platform, while its valuation, transactions and tax information are reported with the rest of your portfolio.
- Private equity funds
- Limited partnerships
- Internationally domiciled managed funds
Private and unlisted investments are generally available only to wholesale investors. They are illiquid, carry higher risk and are valued less frequently than listed investments.
Passing capital to the next generation.
An investment bond lets you nominate who receives the proceeds. On the death of the life insured, the benefit is paid directly to your nominated beneficiaries rather than through your will, at a time and in a way you have chosen.
We work with your estate planner so the bond fits within your broader estate plan.
Child bonds.
A child bond is set up for a child under 16 and passes to them automatically at an age you choose, between 10 and 25. The ten-year period carries through the transfer, so the child receives an investment that may already be accessible without further personal tax.
It gives parents and grandparents a simple way to build capital for education, a first home or a start in life.
We develop an ongoing investment review with you and your family.
The guidelines we agree with you, and the questions behind each one.
| Specific guidelines | What we consider | Questions we’ll ask you |
|---|---|---|
| Asset allocation | Risk tolerance, return objectives and the role of each investment within the broader portfolio. | How much risk can you afford to take, and what is each investment there to do? |
| Manager selection | Track record, consistency of process and how each manager contributes to overall portfolio construction. | Is the manager’s record repeatable, and how does their strategy sit alongside the rest of your portfolio? |
| Manager changes | When and how to replace managers, including cost, timing and impact on the portfolio. | What would lead us to replace a manager, and what would it cost to do so? |
| Liquidity | Access to capital and how quickly funds may be required. | When might you need access to capital, and how much? |
| Preferences & constraints | Any specific exclusions, values or structural requirements that should be reflected in the portfolio. | Are there industries, companies or structures you would prefer to avoid? |
| Reporting & communication | How often you receive updates, and the level of detail required. | How often would you like to hear from us, and in how much detail? |
If a great process is the difference in building and protecting your family’s future, the first step is choosing the right partner.
Start with a conversation.
If you are considering a long-term advisory relationship, the first step is a 20–30 minute conversation to understand whether we are the right fit for you and your family.
Three short questions. An adviser will be in touch shortly after.
Which best describes you?
What would you like help with?
How should we reach you?
Leave your name, email and phone number and an adviser will contact you shortly to arrange a time.
Enter your detailsOUR PROCESS
Process is the journey;
prosperity is the destination.
The journey of building your wealth, let alone reaching the very top is difficult as it is. If you have summitted or still on the path, we at York believe all our journeys are improved by the company we keep.
We help to simplify the complex, plan a route, keep you on the path and spot rare opportunities as they come by. Our process is designed to bring structure and discipline to long-term decision-making — particularly in environments where outcomes are uncertain and markets are constantly evolving.
Owning your financial security brings joy and the journey should be the same.
A key part of the process is helping clients make clear decisions, by keeping you on the right path during periods of uncertainty, where emotional responses can otherwise lead to poor outcomes.