Our Process

We offer you an initial meeting to understand in broad terms your needs and objectives and to agree with you that our services are right for you going forward.  This meeting usually lasts for around one hour, the cost of which is met by us.

We charge for our advice and services by way of a fee which may be by an hourly rate, a fixed amount, a percentage base being deducted from the investment, an ongoing fee or a combination of.  Prior to commencing any aspect of work, we will explain and agree with you the services you would like us to deliver and how you will pay for these.

We cannot and will not charge you a fee for work completed without your prior agreement.

You should be clear about the services you require and how you will pay for these before we proceed with any work that may incur a charge.  We will not exceed a specified budget limit without first consulting with you and receiving your written commitment to proceed further.

Generally, we will levy the charge for our services at the end of a given advice and/or implementation process.  However, we may agree with you payments on account before commencement and/or in stages.

If you choose to cancel an account, contract or policy where we have agreed the fees to be levied even if within the statutory cooling off period, we will apply the charges as advised and agreed at outset.

Stage 1

Initial Consultation Meeting

  • A full explanation of our company, how we work and the services that we offer
  • We explore with you in broad terms your needs and objectives and agree with you whether our services are right for you going forward
  • Discussion to ensure that you fully understand the offering and what you can expect from us

Stage 2

Discovery Meeting

  • We conduct a full financial review in order to understand and agree with you your needs and objectives based on a comprehensive review of your current financial position
  • We establish your life goals, aspirations and concerns for you and your family
  • We collect and assess all relevant personal and financial data and establish your perceived risks
  • We conduct an in depth assessment to establish your attitude and tolerance to risk

Stage 3

Advice and Recommendations

  • We request and collate the information relevant to any accounts, investments, policies and  schemes that you hold or are entitled to benefits
  • We clarify your current position and the basis of how that was arrived
  • We conduct detailed research and analysis of your current arrangements and assess their suitability going forward
  • Having completed the preparatory work, we prepare our recommendations setting out a roadmap of the strategies we believe most appropriate to meet your needs and objectives

Stage 4

Implementation and Facilitation

  • We implement the recommended strategy as desired and  required
  • We will forward any policy documentation to you as appropriate and necessary

Stage 5

Ongoing Review

  • We will regularly review your strategic plan to assess how on track it may be and suggest and then make amendments as needs be
  • We will test the plan and ensure that it remains correct for the future
  • We will give you access to view your portfolio online if applicable
  • We will conduct a portfolio review and rebalancing in line with your attitude to risk and  objectives
  • We will provide you with the ongoing coaching, guidance and proactive support giving you the confidence that you remain on course and will make recommendations to adjust as necessary

We also segment our clients within one of three categories, which are Accumulators, Pre Retirees and Post Retirees.  Click on the relevant links above to see what is included within the Ongoing Review element for each category. You can also refer to our Terms of Business.

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