Advisory Frameworks

Wealth decisions become clearer when complex financial questions are broken into practical frameworks. Explore Bionic Wealth™, the PCR Triangle®, Goal Distiller™ and the Waterfall Model—four frameworks that help bring structure to wealth management, from understanding priorities and refining goals to organising capital and making more deliberate financial and investment decisions.

Bionic Wealth™

Bionic Wealth™ brings human understanding and machine intelligence together to manage wealth more intelligently. Algorithms identify patterns in human lives and match investment decisions to these patterms. Human advisers put to context the circumstances, aspirations and exceptions that numbers alone cannot capture. Modulor’s approach combines these strengths across the Humand and Financial perspectives. The objective is not to replace human judgement with technology, but to augment it—creating a wealth-management process that is personalized around the investor while remaining systematic in its design.

Discover Bionic (Coming Soon)

PCR Triangle®

How much risk should you take? The answer depends on more than how you react to chaos, you ebb and flow of money in your life, and the setup of life you live in. The PCR Triangle® defines an investor’s risk profile across three dimensions: Preference, Capacity and Requirement. Preference considers your tolerance for volatility; Capacity considers your ability earn or lose money; Requirement considers your stage of life and why that risk needs to be taken. Together, these dimensions help define an Investment Persona and identify suitable asset classes, investment universes, portfolio allocations and investment styles.

Understand PCR

Evaluate Your Risk Profile

Goal Distiller™

Investing becomes more purposeful when you know exactly what your money needs to accomplish. The Goal Distiller is about turning broad aspirations, responsibilities and future needs into clearly defined investment agendas. Rather than beginning with a product or expected return, the process begins with the investor—understanding what matters, when the money may be required and the role that wealth must play. These distilled agendas can then be matched with appropriate portfolio structures, strategies and risks, creating a clearer connection between life objectives and investment decisions.

How we Distill (Coming Soon)

Waterfall Model

Wealth has different jobs to do, and there is a prefered order to it. The Waterfall Model organizes investment agendas into three cascading categories: Wealth, Goals and Cash-flow. The Wealth Waterfall addresses contingencies, retirement, wealth creation and legacy; Goals covers emotional and material aspirations such as a home or vacations; and Cash-flow addresses household expenses and discretionary spending. Each waterfall is supported by dedicated Core and Satellite strategies, helping connect an investor’s life, desires and needs with appropriate investment styles and portfolio structures.

Understand the Flow (Coming Soon)