Empowering advisors from all disciplines to optimize the probability of
clients achieving their determined outcomes through the correct
balance and utilization of human, social and financial capital.
"Bonsai was created with the vision where financial advice and guidance are anchored in the methodology of personal asset liability management (PALM). The foundation of this vision is based on managing the entirety of a client's financial structure with the same level of dedication and diligence that it takes to bonsai a tree."
The interaction of a client's balance sheet, income statement and investment allocation while navigating behavioral, economic and market forces allows Bonsai to identify and mitigate hidden life event risks leading to more determined outcomes.
Attempting to plan for the future without taking into account the full complexity of a client's financial structure is destined to end up with uncertain outcomes.
The Bonsai Philosophy democratizes an institutional-level approach by addressing uncertainty through a fully integrated personal asset liability management platform.
Asset Perspective - Includes all asset holdings that can fund current and future financial obligations with a focus on maximizing the "funded ratio".
Liability Perspective - Defined as the shortfall driven by the gap between projected income and expenses, including terminal wealth needs.
The interaction of a client's balance sheet, income statement and investment allocation while navigating behavioral, economic and market forces allows Bonsai to identify and mitigate hidden life event risks leading to more determined outcomes.
