The first meeting with us is always without charge or obligation as it is important to confirm that the client / advisor relationship is appropriate for both parties. In this meeting we will provide you with information about ourselves, our competencies and services that we offer as well as establishing an understanding of your needs and requirements in order to determine if we are able to assist you.

In this step we will cover;

• Explaining the process to be followed
• Identifying your needs and level of advice required
• Being clear about what your and our responsibilities are and how decisions will be made
• Giving you clear service package options
• Discussing terms of agreement & payment for services
• Mapping out the process and obtaining your consent to proceed

After successful engagement signup, we will send financial planning questionnaire to collect more specific personal details, information pertaining to your current financial situation, commitments and short to long-term financial goals. We will then confirm and define your personal and financial goals with you and set a time frame for results. We will look at your objectives, concerns and aspirations and discuss your attitude to investment and other risks. In planning your financial future, we believe that all of these factors are critical to understanding your personal approach to financial planning and risk taking.

After analysing your personal and financial information, we will develop a financial plan. This details the recommendations and strategies for achieving your goals and objectives. It will look at your existing financial arrangements and lay out a plan for the future, and will cover your assets, investments, liabilities and income. It will also, importantly, look at contingency planning and help you plan for any disasters which may arise.

We will present this plan to you and discuss with you to ensure you understand it, along with any concern that you may have or changes or alternatives to work on. After the report along with necessary changes (if any) are finalises, we will share recommendations for investments, insurance and other activities as required.

This stage details the implementation process (action plan). Recommendations which we will share not only include the new investments/insurance to start with but also changes in current investments, asset allocation, insurance portfolio, liabilities, clutter clearance etc. As agreed, you are required to execute action items on your own. However, we will guide you with any process you are not aware of or need our assistance for the steps.

As per the report/objectives, each of the recommended action have their respective priorities and expected timeline to complete. It is very much important that you keep us updated about the development (action taken) on the given recommendations or discuss with us about the challenges to seek solutions/alternatives immediately.

This step is all about regularly reviewing the plan to make sure everything works for you. We will look at any change in circumstances and, if necessary, change the plan to incorporate them. Reviews are usually done annually but can be done more often if needed (like Half Yearly). This review is also a chance for you to ask any specific questions that may have come up or to discuss any concerns you may have. This proactive review is about making sure your plan really works for you, every step of the way.