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Financial Planning

Financial Planing

A financial plan lays the roadmap to achieving your financial goals.   Life has it hurdles and there may be detours but advance preparation means you are in the best position to handle these detours and get back on track.

We are practising members of the Profession of Independent Financial Advisers. It means we are committed to providing client-focused, unbiased, and conflict-free advice.  Being independent also means that we

  • do not charge asset-based fees
  • do not have ties with product manufacturers
  • do not receive commissions

Financial planning is the process of managing your finances to achieve your short-term and long-term financial goals. It involves assessing your current financial situation, setting realistic objectives, and creating a strategy to manage income, expenses, savings, investments, and risks.

Key Components of Financial Planning:

  1. Budgeting – Tracking income and expenses to ensure responsible spending and savings.
  2. Saving & Investing – Setting aside money for future needs and investing it to grow wealth.
  3. Retirement Planning – Ensuring financial security for later years through savings, pensions, and investments.
  4. Insurance Planning – Managing risks with health, life, disability, and property insurance.
  5. Tax Planning – Minimizing tax liabilities through legal and efficient strategies.
  6. Estate Planning – Organizing assets for inheritance and legal matters after death.

A well-structured financial plan helps individuals and businesses secure financial stability, reduce financial stress, and achieve their goals efficiently. Let me know if you need help with a specific aspect of financial planning!

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The Process

Personalised Financial Advice

Step One

Initial Consultation
The initial meeting is a short meeting (no more than 30 minutes) to discuss your expectations…
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Step Two

Financial Discovery
This is where we map out your current financial position and further define your goals…
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Step Three

Engagement Letter
There is where we outline the agreed goals from the financial discovery, the scope…
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Step Four

Preparing Statement of Advice
It is a legal requirement to provide our advice to you in writing through a Statement…
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Step Five

Present and Discuss SAO
This is where we present the advice/recommendations to you along with discussing…
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Step Six

Initial Implementation and Review Period
There can be a lot covered in the initial advice and proceeding can be daunting…
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Your first consultation is free...