Gross return is the number that gets reported.
A family with substantial capital is usually well served on selection and allocation, and almost never served on retention. The advice market is organised around picking investments. The arithmetic that decides multi-decade outcomes sits somewhere else.
Well covered. Managers, consultants, platforms and research providers all compete here, and a family of this size normally has access to institutional-grade selection. The marginal gain from more of it is small.
Partly covered. Headline fees are disclosed and negotiated. Layered costs — fund-of-fund charges, financing spreads, transaction friction inside a strategy — are often visible only in the difference between a manager's stated return and the investor's realised one.
Barely covered. Annual taxation of income and realised gains, the character of that income, the timing of recognition, and the legal structure the assets sit inside together determine the compounding rate. This is the layer that Wealth Intelligence is built to measure.
The difference is not skill. It is character of income, timing of recognition, and the structure the assets are held within. Those three variables are measurable, and they are the subject of everything in this section.
Each area is a standing body of research with its own analytical instruments. They are designed to be read independently and to reference one another where the analysis overlaps.
Construction, concentration and after-tax efficiency for capital between $10 million and $250 million. How allocation decisions change when the objective is net compounding rather than gross return.
Tax drag as a measurable, modellable cost. Character of income, turnover, recognition timing, and the arithmetic of deferral over a multi-decade horizon.
What hedge funds, private credit and private equity actually deliver to a taxable investor once fees, financing and the character of distributions are accounted for.
The container, not the contents. Trusts, holding structures, jurisdictions and insurance-based structures — including PPLI — assessed on cost, control and what each one actually changes.
The six instruments below are no longer six unrelated calculators. The Wealth Intelligence Profile holds the facts they all share — the capital, the horizon, the allocation, the effective rates, any liquidity event, any structure — runs them through the same engine, and reports what the whole system does with them: the gross benchmark, everything taken out of it in sequence, and the wealth actually retained.
It also shows where the wealth is leaking, by category, with the annual cost and the long-run cost including the compounding lost on it. Every category is a link: it opens the instrument that owns it, with your assumptions already loaded. Nothing is transmitted, nothing is stored on a server, and there is no account.
Open the Wealth Intelligence ProfileEach is a working analytical tool with a published methodology, worked examples and its sources stated, and each can be opened on its own. All six also share one calculation engine and one set of assumptions through the Wealth Intelligence Profile, so a figure entered in one is available to the others. None is a lead-capture device. Nothing is gated, and none asks for an email address before returning a result.
Wealth Simulator$10M to $250M — allocation, drawdown and multi-decade net outcomesOpen the instrument → Portfolio Tax DragThe annual cost of taxation, by character of income and turnoverOpen the instrument → Hedge Fund X-RayGross to net: fees, financing and the tax character of the returnOpen the instrument → Private Credit Real YieldStated yield against realised, after-tax, after-default yieldOpen the instrument → PPLI Economics and Break-EvenWhere an insurance structure earns its cost — and where it does notOpen the instrument → Liquidity Event PlannerThe sequence and timing decisions around a sale or exitOpen the instrument → Wealth Intelligence ProfileAll six at once — one set of facts, the whole system, and where it leaksOpen the profile →Every inquiry is read personally by a senior specialist and never routed into a sales funnel. You receive a written reply, usually within one business day.
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