Risk Management
Pixelupixel's risk management advisory identifies, quantifies, and mitigates capital threats before they crystallise.
We produce a structured risk map of your holdings before suggesting any change.
Risk management, as we practise it at Pixelupixel, begins with a full diagnostic of your existing asset mix — across listed securities, private holdings, real estate, and any cross-border exposure. We apply scenario modelling to stress-test for currency devaluation, concentrated sector positions, illiquidity events, and counterparty failure. The output is a written risk register, prioritised by both probability and financial impact, that a client can use to have an informed conversation with lawyers, trustees, and custodians. No product is recommended at this stage; the risk register stands alone as an independent document. Clients typically find that the most costly exposures are the ones that appeared routine — a single-bank custodian arrangement, a lease-backed asset whose counterparty was never verified, or a KES-denominated receivable in an otherwise USD-structured portfolio.
A thorough, documented review across five dimensions of capital exposure.
We measure the proportion of total net worth held in any single issuer, sector, geography, or asset class and benchmark it against internationally recognised thresholds for wealth preservation portfolios. Findings are presented in clear charcoal-and-gold summary tables, not dense spreadsheets.
For clients with KES, USD, GBP, or multi-currency holdings, we model devaluation scenarios and cross-border regulatory changes that could impair asset access or reduce real value — a dimension frequently overlooked by single-jurisdiction advisers.
We map the realistic liquidation timeline for each asset class and overlay it against your projected cash-flow requirements for 12, 36, and 60 months. Mismatches between illiquid holdings and near-term obligations represent one of the most common unaddressed risks we find.
Custodians, banks, insurance providers, and business partners all introduce counterparty risk. We apply a structured due-diligence checklist to each relationship and flag where concentration or reliance on a single entity creates avoidable fragility.
A clear, actionable document — not a generic report generated from a software template.
The deliverable from a Pixelupixel risk assessment is a written report of approximately 20 to 35 pages, prepared by a named senior adviser and reviewed by at least one peer. It contains: an executive summary suitable for sharing with a trustee or legal counsel; a prioritised risk register; specific mitigation options with their respective trade-offs; and a 12-month review calendar. We do not provide a target portfolio allocation or discretionary investment advice — the assessment is advisory and structural, consistent with our fiduciary, non-discretionary mandate. Clients may choose to proceed to a structures or insurance-wrapper engagement following the assessment, but there is no obligation to do so. The report is yours, and it is designed to be useful regardless of which advisers you engage thereafter.
“The risk assessment Pixelupixel delivered in mid-2023 identified a concentration issue in our family's commercial property portfolio that our bank had never raised. Acting on the mitigation recommendations reduced our exposure meaningfully before the market softened in late 2023. The report was plain-spoken and immediately actionable.”
— Amina K., Kiambu County
A confidential, independent assessment of your current capital exposure — delivered in writing with no obligation to proceed further.