Strategy framework
Our fiduciary-grade strategy framework covers insurance wrappers, diversified allocations, and regulated capital instruments — each tailored to individual risk tolerance.
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Most advisors frame capital protection as a trade-off against return. We reject that framing. When structured correctly — through the right legal wrappers, genuine diversification, and systematic rebalancing — a protection-first portfolio does not sacrifice long-term compounding; it removes the catastrophic drawdown events that permanently impair it. At Practice of Boston, every strategy we build begins with a written Investment Policy Statement that defines maximum drawdown tolerance, liquidity requirements, time horizon, and regulatory constraints. That document is the contract between client and advisor, and it governs every decision we make on your behalf.
A layered combination of principal-protected notes, short-duration fixed income, and cash-equivalent instruments. Suitable for clients seeking near-zero drawdown with predictable yield. Reviewed quarterly against ECB rate movements and Romanian NBR policy.
Broadly diversified allocations spanning developed and emerging markets, multi-currency fixed income, global real estate investment trusts, and commodity-linked instruments. Rebalanced systematically, with currency hedging applied where exposure exceeds 20% in a single non-RON denomination.
Unit-linked life insurance contracts issued through regulated EU carriers, providing legal ownership protection, inheritance planning advantages, and access to institutional-grade fund platforms. We source and structure the wrapper; you remain the beneficial owner.
For clients with a 7–10 year horizon, a risk-budgeted equity and alternatives portfolio with systematic downside overlays. Volatility targets are defined in writing, and positions are scaled back automatically when market stress indicators exceed agreed thresholds.
Fully customised multi-asset structures for clients with assets above 2 million lei. Includes consolidated reporting, tax-efficient wrapper selection, cross-border legal review with our partner law firms, and quarterly fiduciary review meetings.
After the Investment Policy Statement is agreed, we move through a three-phase process. First, we audit your existing holdings for hidden risks: concentration in a single sector, unhedged currency exposure, illiquid positions, or tax inefficiencies. Second, we design a target structure and present it in writing for your review and approval — no implementation happens without explicit client sign-off. Third, we monitor on a monthly basis using a dashboard that tracks drawdown from peak, volatility against target, and allocation drift. You receive a plain-language quarterly report that explains what changed, why, and what — if anything — we propose to adjust. There are no surprises in our process.
“The Insurance Wrapper Portfolio Practice of Boston structured for me in early 2022 turned out to be exactly the right vehicle when I went through a business restructuring late that year. The assets were legally separate, the inheritance clauses were already in place, and the whole process of reorganising my personal finances around the new situation took weeks instead of months. The structure had been built for scenarios like that.”
— Mihaela T., business owner, Timișoara
Our standard mandates begin at 200,000 lei in investable assets. Bespoke family office mandates are available from 2,000,000 lei. If your situation does not yet meet these thresholds, we are happy to direct you to appropriate resources.
From first meeting to signed Investment Policy Statement typically takes three to four weeks. We do not rush this process — understanding your full financial picture, risk tolerance, and legal situation correctly at the outset saves significant time and cost later.
Yes, with conditions. We work with EU residents and Romanian citizens living abroad. Non-EU clients require an additional compliance review. All structures we recommend are issued through regulated EU-domiciled carriers and comply with MiFID II requirements.
Each mandate has a pre-agreed maximum drawdown threshold documented in the Investment Policy Statement. If your portfolio approaches that level, we are contractually obliged to notify you and propose a defensive rebalancing. Clients with downside overlay instruments benefit from automatic hedging activation.
Book a no-obligation conversation with our Timișoara advisory team.
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