Client Profile

We only work with clients for whom we can add significant value and make a real and lasting difference in realising their financial goals.  Our primary aim is to help clients define and realise their life goals and objectives and in doing so assist them in organising their financial affairs in such a way as to achieve these whilst taking as little risk as possible and paying the minimum in taxes.

We aim to excel in the following areas:

• Holistic financial planning – using a detailed cashflow model to enable our clients to decide how hard their money needs to work, and where best to invest it, in order to achieve their financial objectives;
• Investing for the future – constructing an investment or pension portfolio that matches their risk profile and sets out to achieve their objectives;
• Pre and Post Retirement Counseling – assessing the many options that are now available when taking retirement benefits; from stand-alone annuities to phased income drawdown plans.  Providing an objective assessment of each option and maximising tax-efficiency.
• Estate planning – advising clients on the best and most tax-efficient method of passing on their wealth, whether personal or business, to their heirs.

Given these areas of expertise, we believe we can be of most assistance to the following groups of people:

• Retired – people who having worked hard all their lives to provide for their retirement, who need to ensure that the accumulated assets are sufficient for that purpose, and who wish to pass as much as possible to their heirs, whether now or in the future;
• Pre-retired – persons for whom retirement is in sight, who need to know how to plan to ensure a comfortable retirement;
• Young professionals – people who may or may not have disposable cash, but who want to save for their own future and perhaps for their children, who may need to protect their families against disaster, and may want help to manage their outgoings;
• Business owners – entrepreneurs who have major commitments in their own business and have neither the time nor inclination to deal with vital matters such as tax mitigation, protecting the business against disaster, not to mention their own needs to protect themselves and their families and to accumulate wealth for the future outside  the business environment.

We believe in the longevity of client relationships because financial planning is an ongoing process not a one-off event.