FINANCIAL PLAN

Our holistic, integrated financial planning process, provides the foundation for long-term wealth management. It provides a financial plan for wealth accumulation, growth, protection and distribution. 

We draw up a unique financial plan based on your personal circumstances, potential and financial resources. The plan creates context in that it identifies inefficient use of financial resources and risks that could erode wealth. We also identify actions that must be taken to achieve your objectives and goals. 

We look at risks such as:

  • Becoming disabled or being unable to work due to illness
  • Dying too soon and leaving loved ones and debt behind
  • Outliving your retirement provision
  • Losing your job or losing a loved one.

We look at goals such as:

  • Providing for your family
  • Providing a good education for your children
  • Paying off debt
  • Building up generational wealth
  • Generating passive income and long-term wealth

We follow the 6-step financial planning process and offer a free chemistry session to ensure we are the right fit. Financial advice is such a personal process, so we offer a free chemistry session with no obligation to proceed, to establish if the chemistry is suitable for a trust-based relationship. 

FIVE KEY MILESTONES TO FINANCIAL WELLBEING

FOUNDATION FOR WEALTH

PROTECTING WEALTH

ACCUMULATING WEALTH

GROWING WEALTH

DISTRIBUTING WEALTH

A unique integrated wealth management strategy

Our time-tested wealth management strategy ensures that our clients’ investment portfolios are aligned with clearly stated objectives. Your portfolio is constructed with a specific target return and risk budget with the objective to maximise the probability of achieving the desired outcome.

Our wealth management strategy takes into account the long term wealth plan of our client, the objective to be attained and the cash flow required. The clients risk capacity and financial circumstances are incorporated in the wealth management strategy to ensure that risk is managed appropriately whilst still achieving the required return to achieve the stated objectives.

The portfolio is reviewed and adjusted based on fundamental financial planning and investment principles. Our portfolio solutions are managed actively and continuous research is done on macro-economic factors and asset class valuations. We also do research of fund managers and evaluate which combination of funds are most appropriate for a specific return and risk objective. This research automatically filters through to ensure that our clients' investment portfolios are aligned and actively managed.

Independent identification and evaluation of appropriate financial products

As an independent financial services provider we have access to a wide range of financial product providers and evaluate which product will be most appropriate for a specific client's circumstances and objectives.

We continuously research and analyse the countless number of financial products with the objective of identifying products that could serve our clients better.

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