Quarterly portfolio review
A structured review of all protection layers — drawdown metrics, wrapper performance, and structure compliance — delivered as a written summary with a verbal debrief session.
Service
Who monitors your protection structures when markets shift?
An advisory mandate ensures your risk-managed framework stays calibrated — not just well-designed at inception.
Ongoing advisory: the maintenance layer of capital protection
Protection structures decay without active oversight — markets move, circumstances change, and thresholds drift.
A capital protection structure that was correctly calibrated in year one can become misaligned by year three if no one is monitoring it. Drawdown thresholds that made sense against a particular market regime may be too permissive in a more volatile environment. Insurance wrapper allocations may have drifted from their target weights. Holding structures may have acquired new assets that sit outside the original risk envelope. Codingcanvasq's ongoing advisory service provides a named relationship manager, quarterly portfolio reviews, and a formal annual rebalancing recommendation. Between scheduled reviews, clients may request unscheduled consultations at any time — particularly important in periods of rapid market movement or significant personal financial change. The mandate is non-discretionary: we advise and the client decides.
What an ongoing advisory mandate includes
Defined service levels so clients know exactly what they are receiving and when.
Threshold alert monitoring
Continuous monitoring of agreed drawdown thresholds and concentration limits, with prompt written notification if any position approaches a defined boundary.
Annual rebalancing recommendation
A formal written recommendation each year covering target weight adjustments, wrapper review outcomes, and any structural changes warranted by changed client circumstances.
On-demand consultations
Access to a named relationship manager for unscheduled consultations at any time — via telephone, video, or in person at our Garissa office.
How the advisory fee is structured
Fee transparency is a fundamental requirement of responsible fiduciary practice.
Advisory fees are charged as a percentage of assets under advisory (AUA) on a quarterly basis, typically in the range of 0.50% to 0.75% per annum depending on mandate complexity and portfolio size. The exact fee is agreed in writing before the mandate begins and disclosed in the client's engagement letter, which also sets out the specific services included. Codingcanvasq does not receive referral fees, kickbacks, or third-party commissions from product providers — a position we regard as a structural requirement for genuine conflict-free advice. Clients with portfolios below KSh 5 million are unlikely to find the advisory fee economically efficient relative to the complexity of the mandate we offer; we will say so clearly at the outset rather than accepting an unsuitable engagement.
“The quarterly review format is exactly what I needed — concise, in writing, and followed by a call where I can ask questions. I have worked with advisers who sent annual letters and called it oversight. The Codingcanvasq approach is materially different and the documentation gives me confidence that someone is actually watching.”
Patricia Weru, Private Client, Nairobi
Discuss whether an ongoing advisory mandate is appropriate
We will assess your current protection framework, identify monitoring gaps, and outline the mandate structure that fits your situation.