Our Services

  Financial Analysis and Planning

 Our multi-level planning approach recognizes that your ability to meet the basic needs of you and your dependents over your full life time needs to be secured as the first priority. This requires careful application of protective actions and products. Secondly, your ability to sustain and enjoy a chosen level of lifestyle and comfort throughout your life (that does not suddenly reduce at some point), is next most important. This often requires a different set of actions and investment strategies. Finally, having adequately covered the first two levels of need, we become free to reach for our bolder dreams and aspirations. It is at this level that some of the more adventurous products and investment options become useful tools.

 We gather information and assess your personal profile and needs. We conduct relevant analysis to, among other things, identify the size of any gaps in provision you have. We produce a proposed a financial plan report for your consideration that is presented to you in a written report. The report will show what action steps are advisable if you are to best meet your needs and goals, but will not make specific product recommendations.

 Depending on your selection the analysis can be comprehensive, considering a broad range of needs, or more basic or focused and specific to certain needs. A comprehensive analysis will typically cover planning for risks (such as death and disability), retirement planning, estate planning, savings for goals, monthly and daily budget and cash management. The actual contents will be tailored to your situation and the needs you have.

 Implementation

 We identify suitable financial products or professional services in terms of actions steps you have prioritised for implementation and want help with. These could be specific needs and requests from you and/or they could have arisen out of the financial analysis and planning stage. We provide quotations and information to enable you to make an informed choice of product. We assist you and facilitate your application to purchase/be insured under the products you choose.

 Maintenance

 We initiate and conduct periodic review of products and services where relevant. We stay abreast of changes in the financial environment and available products and changes in your portfolio of products under maintenance. For investment and risk products this is ordinarily an annual process where the particular funds chosen and cover levels are checked and changes recommended. We will propose comprehensive analysis and re-planning when your circumstances change significantly with a major life event or over time. We deal with product suppliers in respect of product values, changes to be made, communications and other aspects to reduce your administrative burden and provide more certainty that the products are kept in good order.

 Financial Coaching and consulting

We provide information, advice, second opinions, insight and training on a personal level to do with your financial situation and challenges or specific queries. In particular we are able to provide insight, tips and tricks on managing your monthly budget and finances. Adjustments to your current lifestyle may be required in order to reach your long-term objectives and an objective coach walking along-side you can be an essential tool to identify and successfully make the required changes.

 Scope of services

In respect of regulated business, we are licensed to provide financial advice and/or intermediary services and offers service on the following classes of financial products:

·         Risk cover (eg. Life, disability, dread disease)

·         Retirement savings

·         Post retirement investment

·         Voluntary investments

·         General savings

·         Banking products

·         Offshore investments

·         Estate planning

·         Debt consolidation

·         Tax planning

·         Business assurance