We would rather be the advisor you keep than the one who sold you the most.
Sea Wealth started in 2012, in a market where most financial advice was really product distribution wearing a better suit. We took the opposite position: work out what the money is for, then choose instruments to match.
That approach is slower to grow and considerably harder to sell. It also means our clients tend to stay for a decade or more, which is the only measure of advice that we think counts.
Three principles, applied literally
Stated plainly enough that you can tell when we fail to meet them.
Trust
We never take custody of your money. Everything stays in your name, and we tell you what we earn on every recommendation.
Transparency
Commissions, exit loads and tax consequences are stated before you decide, not disclosed afterwards in a statement.
Togetherness
The same advisor year after year. We would rather grow slowly with clients who stay than quickly with clients who churn.
Fourteen years, four decisions that mattered
Founded
Started with a single mandate: goal-based advice, in a market where short-term product selling was the norm.
Research desk
Brought fund research in-house so recommendations stopped depending on distributor material.
Consolidated reporting
Built a single view across institutions after clients kept asking the same question: what do I actually own?
Digital planning tools
Opened the planning calculators to everyone, whether or not they ever become clients.
The habits behind the principles
Honesty
Including when the honest answer is that you do not need what we sell.
Learning
Markets change. An advisor who stopped reading in 2015 is a liability.
Discipline
The plan only works if it survives the months you want to abandon it.
Responsiveness
A working-day reply, every time. Money questions do not keep well.
Fourteen years is a long conversation.
If the way we work sounds like what you have been looking for, the next step is a conversation with no product attached.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.