Creating your plan

In the financial planning process, we can help you define your goals clearly, and tell you what is realistic in terms of expectations. We will construct your individual plan, incorporating the milestones and goals that you have set. For older people, typically, the prime focus in a financial plan will be on capital preservation, inflation protection or a sustainable level of income. For younger people, the key issues will typically be family protection and wealth accumulation in order to create financial independence later on in life.

Implementing your plan

In the second stage, we focus on the implementation of the plan: which types of pension and savings plans, which investments, and which tax mitigation strategies? Here we have to discuss your level of comfort with investment volatility: are you happy to suffer short term losses for the potential of higher long term reward, for example? We will also discuss tax planning strategies to ensure that the bulk of your assets reach your children and grandchildren intact. We can then propose specific investments, plans and policies.

There are two times in a man's life when he should not speculate: when he can't afford it and when he can

Managing your plan

The third stage is the execution of the plan and here technology becomes important. Our preferred method is to set up your plan using an administration system (a 'wrap') that enables us to update all your investments in real time and gives you 24/7 access to current valuations.

Reviewing your plan

The fourth stage is ongoing reviews and adjustments required to keep your plan on track or the creation of a new plan in response to a change in circumstances. Their frequency will be as agreed with us. Reviews will cover all the major issues of importance to you.