A couple on a beach next to a boat | Money Smart financial plan Independent expertise, working for you

Our Financial Planning and Wealth Management Process

What does being money smart really mean? We believe the answer is to always make a financial plan before making any decisions. It may sound obvious but how many of us actually do it?

Step 1: Consultation

In your free initial consultation we listen very carefully to your financial needs, goals and objectives. We will then clearly outline what exactly we can do for you and how much it will cost.

Step 2: Fact Find

If you choose to proceed we will ask you to complete our Fact Find and Risk Profile so we can get a complete picture of your current financial circumstances.

Step 3: Analysis

We use state-of-the-art software to analyse and forecast your income and expenditure and your assets and liabilities. This analysis forms the basis of your detailed Financial Life Plan.

Step 4: Presentation

We present the Financial Life Plan to you, setting out how we expect your wealth to grow based on our recommendations. With your agreement we progress to steps 5 and 6 – execution of the plan.

Step 5: Implementation

Your Lifetime Wealth Management service begins with in-depth analysis of the whole market to find the best financial products for you. We then design your tailored Investment Plan and implement our recommendations.

Step 6: Report and Review

We monitor your investments continually and will meet you to discuss any financial matters that arise. We provide an updated Financial Life Plan with a complete Investment Review once a year to all our wealth management clients.