Our Services
The Planning Process
Your needs & objectives
These are formulated by you the client and shaped by us all in discussion. Our responsibility to you is to assist you to meet your needs and to achieve your goals within realistic time frames. It is vital that the capital you create or inherit is capable of seeing out what may be a long and enjoyable retirement period, sometimes in excess of 30 years.
Analysis of current investment risk
You and we need to know what investments work for you and what do not. We need to determine where you or your family are at risk and whether that risk needs to be insured. Often another set of experienced eyes can guide and direct you through what otherwise can be a minefield of investment options.
Retirement Planning
Your investment asset base must provide well for your retirement. You cannot and ought not risk the loss of capital through injudicious speculation. Planning and robust portfolio design will ensure you fully reward yourselves for many years of toil.
Risk Analysis
There are risks in family life and in business that you cannot ignore. Early death or impairment of the primary income earner in a young family can create unnecessary pressure and fear. Likewise the loss of a key business partner or the risk that a partner sells their interest to a competitor, may threaten a substantial investment you have made.
Debt & cashflow management
For those with existing wealth or those accumulating, managing your cashflows, both in and out, is key to creating and maintaining prosperity. Debt levels and debt arrangements must be cost and tax efficient. Carrying debt relating to lifestyle is typically the greatest burden ‘savers’ face. Some debt can be beneficial, particularly if it is tax-effective and used to leverage productive investment.
Asset & Estate Planning
It is here that we consider how best to own your assets and to provide for the succession of remaining wealth to future generations.
Family trusts have proven to be a hugely successful vehicle in which to grow and protect your asset base. These together with wills and enduring powers of attorney add to a personal armoury designed to withstand any onslaught from predators, disaffected family members and partners in both business and personal relationships.
Taxes & Fees
Investors need to be confident that they understand the cost in both taxes and fees before proceeding with advice. Transparency therefore is essential in both areas and investors must look to practices with a competitive approach to fees for advice and portfolio management.