LUWA·WEALTH
Strategic Capital Allocation

Long-term wealth,
architected with discipline.

Independent, evidence-based portfolio strategy for sophisticated families and individuals across the Asia-Pacific. Fee-only. Fiduciary by principle.

CFA® Charterholder · Independent Advisory · Cross-border AU / SG / HK · By appointment only
Investment Philosophy

Three principles that compound over decades.

We don't predict markets. We architect portfolios designed to perform across cycles, withstand drawdowns, and minimize friction.

01

Discipline over prediction

Strategic asset allocation is responsible for ~90% of portfolio variance. We architect, document, and rebalance — we don't time markets or chase narratives.

02

Cost is not a fee — it's a return drag

A 1% annual fee compounds to a ~25% reduction in terminal wealth over 30 years. Our work is to identify and eliminate frictions you didn't know you were paying.

03

Tax-aware compounding

Returns you keep, not returns advertised. Asset location, harvest strategy, and cross-border efficiency define long-term outcomes more than security selection.

Engagements

Bespoke advisory, structured around your capital.

Every engagement begins with a Discovery — your objectives, constraints, and existing architecture. We then deliver a written plan you own, not a product we sell.

01

Strategic Asset Allocation

Long-term policy portfolio aligned with your liability stream, time horizon, and risk capacity. Reviewed annually.

02

Portfolio Construction Review

Diagnostic of current holdings — overlaps, hidden costs, factor exposures, currency mismatch. Written report with recommended actions.

03

Tax-Efficient Rebalancing Strategy

Asset location across taxable / superannuation / family trust accounts. Tax-loss harvest playbook tailored to AU jurisdiction.

04

Cross-border Structuring

For families with assets across AU / SG / HK / mainland China. Currency, residency, and inheritance considerations integrated.

05

Family Wealth Governance

Investment Policy Statement, decision rights, generational transition, and family communications protocol.

06

Independent Second Opinion

Confidential review of advice received from banks, brokers, or other advisors. Conflicts and biases identified.

15+ yrs
Combined experience
across capital markets
CFA®
Chartered Financial Analyst
code of ethics
0commissions
Fee-only structure
no product kickbacks
"The investor's chief problem — and even his worst enemy — is likely to be himself."
— Benjamin Graham

Begin a conversation.

We accept a limited number of engagements each year to ensure depth. Initial consultations are private and at no cost.

Office
Sydney · By appointment
Hours
Mon — Fri · 9:00 — 18:00 AEST