As a client you need to have peace of mind that, we as financial planners, focus on understanding your financial needs because we have taken the trouble of understanding you as a person. It is our goal to take all your financial aspects into account and only then to design an appropriate financial plan and coach you through the necessary steps to achieve financial freedom.
We work under a strict code of ethics which insures that your interests always come first. One of our priorities is that we keep pace with the ever changing financial world in order for us to provide you with advice that is up to date and relevant at all times.
We have an ultimate goal of helping you from point A to point B in your financial world. Point A is your current financial situation and point B is your dream destination, financial freedom! It is a road that requires great dedication from the client and the financial planner.
We aspire to have a good “game plan” in place to help you achieve financial freedom. When we journey on this path with you we help with the following components:
- Financial Management – This is the starting point for us as financial planners. We always first test affordability and try to help you to save money where possible. It involves a great deal of budgeting. It makes no sense for us to advise you to save x amount of money per month if we don’t even know what you can afford.
- Asset Management – This is where the investment part comes in, and boy this is a galaxy on its own. We do a lot of research to ensure that we invest your money in the correct funds and asset classes which is in line with your appetite for risk. The ultimate goal for us is to ensure that your money grows while protecting you from permanent loss of capital!
- Retirement Planning – There are three stages to retirement planning: pre-retirement planning; at-retirement planning and post-retirement planning. In this component we often make use of financial products such as a Retirement Annuity. However we are not focused on selling you a product but the focus lies in getting you to your point B – financial freedom.
- Tax Planning – Almost everything we do in the financial world involves tax of some kind. In our recommendations we always carefully consider the tax consequences and try to “save” you from paying unnecessary tax.
- Risk Planning – This is where our independence truly shows. An enormous amount of work is done to provide you with the most cost effective and sufficient type of risk cover, irrespective of the insurer!
- Estate Planning – Nobody wants to think about death, but the reality is one must make provision for this. We try and help you minimize the liability of your estate. In doing this we also ensure that your loved ones are looked after.
The relationship between a financial planner and a client is a two way street. As much as we try and understand your financial life, our recommendations and implementation is only as good as the information we have at hand.
We encourage you to actively engage with your financial planner to ensure that your road to financial freedom is paved with success.
