How We Work
Building long-term relationships based on trust
Our objective is to support you in taking control of your finances, bringing you peace of mind over your future. Our financial planning process is designed to bring clarity to your situation – showing where you are now, what your future needs and aspirations are, and what is necessary for you to reach these goals.
A No-Obligation Meeting at Our Expense
We will always begin with a face-to-face, no-obligation initial meeting at our expense to discuss your goals and our services. If you wish to work with us, this meeting will help establish and define our relationship.
Finding Out About You
For the next step your adviser will ask for information about your financial situation before mutually defining your personal and financial goals, understanding your time frame and clearly identifying your risk profile and capacity for loss.
Analysis & Evaluation
The information you give us will be used to assess your current situation and determine what you should consider in order to meet your goals. This will include analysis of your assets, liabilities, cash flow, in addition to specialised areas such as investments or tax strategies.
Recommendations & Alternatives
We will develop and present financial planning recommendations tailored to your situation and goals, based on the information you have provided. These, along with alternative options, will be explained so that you can make an informed decision. Any concerns will be listened to and revisions made as appropriate.
Your adviser will agree with you on how the recommendations are to be implemented and will take responsibility for coordinating the whole process in partnership with you. They will carry out the recommendations out personally or liaise with a fellow adviser who may have a specific area of expertise.
Monitor & Review
You will agree with your adviser who is to monitor your progress towards your goals and the level of on-going service you require in order to review your situation, anticipate major changes in your life and work toward retirement.
Capital at risk, investments can go down as well as up.