Services

We offer professional, independent and personalised service, providing worthwhile investment solutions which are based on sound financial information and advice. We keep abreast with industry developments, evaluate investment performance and adapt to ensure the optimum outcomes for each client’s individual needs.

We subscribe to the Financial Planning Institute’s 6 steps process of financial planning.

Establishing and defining a professional relationship

The financial planner should clearly explain or document the services to be provided to you and define both his/her and your responsibilities, how decisions will be made and how he/she will be paid and by whom.

Gathering data, including goals

The financial planner should ask for information about your financial situation. You and the planner should mutually define your personal and financial goals, understand your time frame for results and discuss, if relevant, how you feel about risk, before giving you the advice you need.

Analysing and evaluating your financial status

The financial planner should analyse your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies, to assess your current situation and determine what you must do to meet your goals.

Developing and presenting financial planning recommendations and/or alternatives

The financial planner should offer financial planning recommendations that address your goals and explain them to you so you understand and can make informed decisions, listen to your concerns and revise the recommendations as appropriate.

Implementing the financial planning recommendations

You and the planner should agree on how the recommendations will be carried out. The planner may carry out the recommendations or serve as your ”coach,” coordinating the whole process with you and other professionals such as attorneys or stockbrokers.

Monitoring the financial planning recommendations

You and the planner should agree on who will monitor your progress towards your goals. If the planner is in charge of the process, he/she should report to you periodically to review your situation and adjust the recommendations, if needed, as your life changes.