Most people have desire to achieve financial freedom or success.
Unfortunately the sad fact is that while we all have plans to retire with some degree of financial independence, studies show that 90% of the population retire broke. Many have insufficient funds to retire and must either keep working or rely on some form of financial assistance to survive.
To us, financial planning is all about achieving your goals. It is the process of developing and implementing deliberate financial strategies that will bring your goals to fruition. In our experience this will usually be protecting your wealth or growing it. Of course, there will be other types of goals you may need help in achieving.
Whatever they maybe, we have the expertise to guide you towards them, no matter how much the world changes along the way. We help you manage your financial situation so you can protect and build wealth, enjoy life and achieve financial security. In many cases it may be saving you from yourself, saving you from following the crowd (selling when everyone sells, buying when everyone else is buying).
There are many different financial strategies available to clients through the expertise of our advisers. These range from the simple to the sophisticated. Using our expertise we conduct numerous projections of different financial strategies and combinations of strategies for each client. This detailed modelling enables us to scientifically calculate the projected outcomes of the various options available to ensure we have in place the ‘Optimal’ financial strategy for you.
Ensuring that your money is working for you as efficiently as possible is an overriding theme in our planning for our clients. Any scope to reduce your level of taxation legally and logically is sought in order to boost the net monetary benefit of any financial strategies put in place. When developing a financial plan for you, known as a Statement of Advice (SOA), we follow a structured process to help understand your needs and recommend the optimal strategy. The six-step financial planning process is as follows: