What would working with Amami Partners actually look like in practice?
Every client relationship is different, but many financial situations share common patterns. The following anonymised case studies illustrate how thoughtful planning, disciplined investment management and long-term advice can help clients make important financial decisions with greater clarity.
These examples are representative rather than exhaustive. They show how Amami Partners applies its wealth management framework in practice.
Consolidating International Holdings
Situation
A couple approaching retirement had accumulated investment accounts in several countries over thirty years of living and working abroad. They also owned property in Europe and Asia, worked with a tax adviser in one jurisdiction and a lawyer in another, and had begun thinking seriously about retirement income and estate planning.
Challenge
Each part of their financial life was being managed separately. Investment decisions were not fully coordinated with retirement planning, tax considerations or future estate objectives. The couple had substantial assets, but no single framework for making decisions.
Our Approach
We reviewed their investment accounts, property interests, retirement objectives, liquidity needs and existing professional relationships. Working alongside their tax and legal advisers, we helped organise their financial affairs into a clearer long-term structure.
This included reviewing portfolio risk, simplifying reporting, identifying overlapping investments and establishing priorities for retirement income, estate planning and future family support.
Outcome
The result was not simply a new portfolio. It was a more coherent financial structure.
- Created a consolidated view of assets across multiple jurisdictions
- Reduced unnecessary overlap across investment accounts
- Aligned investment strategy with retirement and estate planning objectives
- Improved coordination between tax, legal and investment advisers
- Established a clearer framework for future financial decisions
Diversifying After the Sale of a Family Business
Situation
A senior executive preparing to retire had accumulated significant savings, pension assets and investment accounts, but was uncertain how much could be withdrawn each year without placing long-term security at risk.
Challenge
The client had spent decades accumulating wealth. Retirement required a different discipline: converting assets into sustainable income while preserving purchasing power over a potentially long retirement.
Our Approach
We reviewed expected spending, pension income, investment assets, tax considerations and liquidity needs. We then built a retirement income framework that separated short-term cash requirements from longer-term investment capital, and implemented a laddered-bond strategy.
The portfolio was structured to provide liquidity for planned withdrawals while maintaining growth exposure to help offset inflation over time. We also reviewed how withdrawals could be adjusted during periods of market weakness.
Outcome
- Estimated annual retirement income needs
- Created a liquidity reserve for planned withdrawals
- Structured the portfolio around income, growth and capital preservation
- Reduced the need to sell long-term investments during weak markets
- Established a review process for spending, withdrawals and portfolio allocation
Retirement changes the purpose of a portfolio. The objective shifts from accumulation to sustainable distribution.
Preparing the Next Generation for Stewardship
Situation
An international family owned investment assets, residential property and business interests across several jurisdictions. Their adult children lived in different countries and had different levels of financial experience.
Challenge
The family wanted their wealth to be transferred according to their intentions, but existing arrangements were fragmented. They were also concerned that the next generation was not equally prepared to manage inherited wealth.
Our Approach
We worked with the family’s legal and tax advisers to review ownership structures, estate planning objectives and future liquidity needs. We helped clarify what assets were intended for family support, what should remain invested for long-term growth and what might eventually be used for charitable purposes.
We also encouraged structured family discussions around responsibility, expectations and long-term stewardship.
Outcome
- Coordinated investment planning with estate and succession objectives
- Identified liquidity needs that could arise during estate administration
- Helped clarify how different assets should be treated
- Supported discussions with the next generation
- Created a more organised framework for preserving family wealth
Estate planning is not only about transferring assets. It is also about transferring clarity, responsibility and intention.
Expanding Beyond Public Markets
Situation
An experienced investor already held a diversified portfolio of public equities, fixed income and cash. The portfolio was well constructed, but the client wanted exposure to opportunities not easily available through listed markets.
Challenge
The client was interested in private markets, but wanted to understand how these investments would fit within the overall portfolio. Liquidity, investment horizon and risk needed to be considered carefully.
Our Approach
We reviewed the client’s existing portfolio, liquidity requirements and long-term objectives. Private market opportunities were considered only where they served a clear role within the broader investment framework.
Potential allocations were evaluated according to expected holding period, underlying business quality, sector exposure, exit strategy and contribution to diversification. We also ensured that sufficient liquid assets remained available outside private investments.
Outcome
- Identified the appropriate role for private markets within the portfolio
- Maintained liquidity for near-term and unexpected needs
- Evaluated opportunities by purpose rather than novelty
- Added exposure to areas less accessible through public markets
- Preserved the overall discipline of the existing investment strategy
Aligning Wealth with Personal Values
Situation
A family wished to make charitable giving a more formal part of their long-term financial planning. They also wanted their investment portfolio to better reflect their values, including support for healthcare innovation and education, while avoiding industries they considered inconsistent with their principles.
Challenge
The family had made charitable donations for many years, but their giving was informal. Their investments and philanthropy were not yet connected within a single framework.
Our Approach
We helped the family define their philanthropic priorities, review possible charitable structures and consider how giving could be incorporated into estate planning. We also reviewed their investment portfolio through a values-based lens, identifying areas where exclusions or positive investment preferences could be considered without undermining portfolio discipline.
The objective was not to impose a standard model of values-based investing, but to reflect the family’s own priorities.
Outcome
- Clarified the family’s charitable objectives
- Reviewed possible structures for long-term giving
- Identified investment preferences aligned with family values
- Coordinated philanthropy with estate and succession planning
- Created a framework for involving the next generation
Many people express their values through both the way they invest and the way they give.
Managing a Charitable Foundation
Situation
A charitable foundation had accumulated a meaningful investment portfolio intended to support annual grants and operating expenses. Investment decisions were overseen by a board, but the foundation lacked a formal investment policy.
Challenge
The foundation needed to balance current spending with long-term capital preservation. Board members wanted clear reporting, appropriate liquidity and a disciplined framework for evaluating investment decisions.
Our Approach
We worked with the board to define the foundation’s investment objectives, annual spending needs, liquidity requirements and risk tolerance. We helped establish an investment policy that reflected the foundation’s mission and governance structure.
The portfolio was then reviewed to ensure that assets were aligned with both near-term grant-making and long-term purchasing power.
Outcome
- Established a formal investment policy framework
- Matched liquidity planning with expected grant and operating needs
- Improved reporting for board review
- Balanced income, growth and capital preservation
- Created a disciplined process for future investment decisions
For a foundation, the investment portfolio should support the mission, not compete with it.
A Practical View of Wealth Management
These case studies illustrate how wealth management works in practice. The details change from client to client, but the underlying principles remain consistent: understand the full picture, define the objective, build the framework and ensure each recommendation serves a clear purpose.
At Amami Partners, our role is to help clients make informed decisions across investments, retirement planning, estate planning, private markets and philanthropy. The value of advice is often clearest when different parts of a financial life need to work together.