Discipline 03 · Independent Advisory
Studyfieldq produces a documented, annually updated capital protection strategy for every client — not a verbal briefing that fades after the meeting.
Our advisory service produces a written Capital Protection Strategy — a 15–25 page document that maps your current asset allocation, identifies structural gaps in your protection framework, sets explicit targets for liquidity reserves and diversification, and plots a review calendar for the next three years. The strategy is built from a structured data-gathering process: two sessions of approximately 90 minutes each, followed by a two-week analysis period. We do not use template outputs — every strategy is written from your specific numbers. The document covers four domains: downside protection (how much you can afford to lose in a single 12-month period without affecting your lifestyle or obligations), succession and continuity (what happens to your assets if you're incapacitated or deceased), liquidity management (how much capital must remain accessible at all times and in which instruments), and strategic allocation review (whether your current mix is consistent with your stated objectives at your current stage of life).
An explicit maximum acceptable loss figure — expressed in shillings, not percentages — agreed with you and embedded in your investment mandate. Every manager or custodian you use is held to this number.
A mapped succession scenario covering primary and contingent beneficiaries, nominated executors, and the timeline for asset transfer — coordinated with your legal adviser's will and trust documentation.
A defined liquidity reserve — typically three to twelve months of personal and business obligations — held in instruments that can be liquidated within 48 hours without material price impact.
An annual comparison of your actual allocation against your stated objectives, with written commentary on any drift and a documented rationale for any recommended changes.
The Capital Protection Strategy document Studyfieldq produced for me in mid-2022 was the first time I'd seen my entire financial position mapped coherently on paper. Within six months I'd restructured my liquidity reserve and nominated a proper executor — two things I'd been meaning to do for years but had never sat down to formalise. Their advisory felt more like a professional audit than a sales process.
— Wanjiru Mwangi, Nairobi
We produce strategy and oversight — we don't execute trades, manage discretionary portfolios, or act as custodians for your assets. We also don't provide legal advice, tax compliance services, or accounting. Where your strategy requires those disciplines, we'll coordinate with the professionals who hold those mandates, but we don't absorb their role. Our value is in the framework and the fiduciary discipline; execution remains with your existing managers unless you ask us to help you select new ones through an independently scored search process.
A clear, written strategy is the foundation that makes every other financial decision easier to evaluate.
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