We will take the time to understand you and what is truly important to you. Our aim is to help you to make good financial decisions.
We firstly learn more about the practical and emotional issues which affect our clients, as they go through different life transitions. We prepare customised choices and solutions designed to fit each client’s needs. These interrelated solutions can include investment management, estate planning, and tax planning, brought together in a holistic plan.
We start with a discovery meeting, during which we gather information about you and identify your goals and aspirations. From this information, we develop a disciplined investment strategy that takes into account your personal circumstances, short and long term needs and time horizon.
Stage 1: Initial meeting
We listen to you – we will seek to define and fully understand your needs, goals and current situation. Your dreams, aspirations and relationships will shape how we customise our advice.
Stage 2: Meeting two
Once we get to know you and where you hope to be in the future, we perform a detailed analysis of your income and expenditure, incorporating a gap analysis allowing us to develop an investment plan to meet your goals. The plan will reflect your objectives and risk tolerance, offering a comprehensive road-map for your financial future (and providing benchmarks for tracking progress along the way).
The plan will include the following:
- Assessment of your long-term needs and objectives
- Agreement of a time horizon for your various objectives
- Design of an individual financial plan that aims to meet your financial objectives with an acceptable level of risk
- Description of how your capital will be allocated and the expected return
- Establishing a review process to ensure your plan remains appropriate to your needs as time passes
Assuming you are completely happy with our suggestions, our agreement will be formalised and we will help you implement your plan.
Stage 3: Ongoing Service
Like any plan, it is essential that what we have implemented remains relevant. An annual review gives us the opportunity to discuss both existing arrangements as well as other steps or adjustments that may need to be taken accordingly. It also serves as an excellent method to gauge all aspects of performance within an investment portfolio.
We like to meet with our clients for an annual face to face meeting so we can understand any changes in your circumstances and adapt their financial plan accordingly. If things in your life change during the year we would meet with you to review your financial plan – we would not charge any extra for this additional service. We stay flexible as life is not a straight line.
We will help you to organise and understand your paperwork and answer any questions which arise.
We will regularly review the progress, contrasting your current situation with your investment road-map. We will review your progress towards your goals, and determine if any significant changes have occurred that would alter those goals or needs.