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The Problem & Our Solution

The Problem.. We are all guilty of working hard to make money but once we have it, many do not have a plan on how to best invest and spend it. Next thing you know we are back to square one and pushing back our next savings goal or vacation. Following a 5 step financial planning process can significantly increase the potential of developing a winning financial plan and achieving your financial goals. Being able to realize our plans requires specific objectives, detailed information, much organization and compromise. Successful plans will also require a significant degree of dedication.

Step 1 - Defining and agreeing your financial objectives and goals
The goals and objectives will be the guide to the financial plan and should provide a roadmap for your financial future. They should contain the following features:

  • Quantifiable and achievable
  • Clear and have a defined timeframe
  • Separate your needs from your wants  

Step 2 – Gathering your financial and personal information
The financial planning process and its success will depend on the quality and clarity of the information communicated to your adviser. Your adviser will complete a detailed financial fact-find to capture all relevant information in relation to your finances. This will include:

  • Income and expenditure
  • Assets and liabilities
  • Risk attitude, tolerance and capacity

Step 3 – Analysing your financial and personal information
Your financial adviser reviews the information provided in step 2 and uses it to produce a report that reflects your current financial profile. The following ratios are produced to improve your understanding of your financial circumstances and to pinpoint areas of strength or weakness:

  • Solvency Ratio
  • Savings Ratio
  • Liquidity Ratio
  • Debt Service Ratio

Step 4 – Development and presentation of the financial plan
The financial plan is developed based on the information received in step 2 and analysis completed in step 3. Each of the goals and objectives in step 1 should be addressed and a recommendation for each identified. It will include:

  • Net worth statement (a balance sheet)
  • Annual consolidated tax calculation
  • Annual cash flow report (displaying surplus or deficit)


Step 5 – Implementation and review of the financial plan
Once the analysis and development of the plan is complete, the adviser will outline the recommended courses of action. This can involve implementing:

  • A new pension or investment strategy
  • Changing debt provider
  • Additional life or serious illness insurance
  • Income and expenditure adjustments


We do not believe in a “one size fits all” investment portfolio. Our management is tailored to your circumstances and specific objectives utilizing investment as well as protection products. Our Tax Optimization techniques and Periodic Rebalancing of investment positions mitigates costly emotional mistakes and helps you buy low, sell high, to remain well-diversified.


We offer a vast array of insurance products and represent dozens of companies to meet all of your personal insurance needs. 

All your accounts in one place:
Get a real-time view and easily track and manage your entire financial life with our award-winning Dashboard.

"Retirement Planner"
Build, manage and forecast your retirement in one convenient location with Retirement Planner.

Each of our client's plans are individually managed.

Your CPA and other financial professionals, pension consultants and estate and tax attorneys, will be integrated as a part of our financial team.

Rest assured that we will frequently review your investments. Full reports are available quarterly, and interim reports are prepared whenever needed and on request. 

We require annual check-ups with our clients in order to ensure we stay well informed of any changes that may occur in which could impact our plan.