<h1>Wealth management strategy: prioritise capital preservation with a three-tier allocation balancing safety, foundation, and growth.</h1> ARK Wealth's CIO Report urges a shift from return-maximisation to capital preservation via a three-tier asset allocation: a safety net (insurance, trusts, identity planning), a foundation (steady income, inflation hedges), and growth (equities, private equity, high-upside assets). It promotes building an 'anti-fragile' system to withstand geopolitical, monetary, and AI-driven market volatility and endorses offshore and structured solutions for generational wealth protection.