Planning area II
Reserves and ownership concentration
Naming the concentration in plain terms and deciding what independence requires.
Why it matters
When one asset produces the income, holds the value and employs the owner, concentration is not a portfolio statistic. It is the structure of the household. The work is to describe that exposure honestly, decide how much of the household should be able to stand apart from it, and set a sequence for getting there.
What the work includes
- A plain-language statement of what depends on the business and what does not
- A defined purpose and target for personal reserves
- A written sequence for building assets held outside the company
Where this work stops
Stillpoint does not manage investments, hold client assets, or make individualised securities recommendations. Where investment implementation is required, it is carried out by professionals you engage directly.