My expert impartial service starts with comprehensive Financial Planning.
Only then does Wealth Management begin the task of managing your money.
The very first thing I do is provide every client with a Financial Life Plan that takes the first steps towards turning your goals into reality.
You will gain the peace of mind that comes from allowing me to organise your finances. I will bring clarity, objectivity, organisation and expert planning to all your financial arrangements.
I can provide clear realistic solutions to questions such as:
What should my financial priorities be?
Am I saving enough? How much is enough?
Will we be able to send our kids to college?
Can I afford to leave my job – or start a business?
Will we run out of money?
How can I earn a better return on my savings?
What kind of insurance do we need?
How should my money be invested?
When can I retire?
Is my pension any good?
Money Smart Wealth Management, which begins once your initial Financial Life Plan has been presented, has four key components.
Plan Your Wealth
Taking into consideration your financial circumstances and objectives, I will design a bespoke Investment Plan that identifies the most appropriate investment choices for you.
Grow Your Wealth
I strongly believe that following the Money Smart Investment Philosophy is the key to growing your wealth.
Protect Your Wealth
Money Smart will give you unbiased advice on how best to minimise tax and insure your wealth – what to insure, how much to insure, and for how long.
Use Your Wealth
I will show you how to spend efficiently, how to gift efficiently, how to make optimal retirement income choices, how to divest efficiently, and how to plan future tax-efficient wealth transfers.
The Money Smart Process
The Money Smart Investment Philosophy
Investing money demands care and consistency. My investment philosophy consists of six golden rules based on global best practice which I apply to every client portfolio.
I will provide you with a comprehensive Financial Life Plan which covers cashflow, savings, investments, property, mortgages, pensions, insurance, estate planning and tax. The Plan fee is €1,000.
I will design and implement a bespoke Investment Plan based on agreed Financial Life Plan recommendations. My investment research and implementation fee is 1% of funds invested, reduced by any upfront commission I receive.
I will continually monitor your investments, meet you for annual reviews, and update your Financial Life Plan and Investment Plan annually. My annual management fee is 1% of funds invested, reduced by any ongoing commission I receive.