The first information that is needed is to understand is your personal goals, current financial situation, investment experience and risk tolerance. Following on from this I will prepare a detailed profile on your investments and assets, your current and future sources of income, any liabilities, any future capital and income requirements and all estate planning requirements.

Once we have analysed all the information we can design your own customised plan for all short, medium and long-term goals, whether it be securing a comfortable retirement, paying for a child or grandchild‚ education, buying your own home, or just saving in a more structured way. Where necessary, I will draw expert advice from my network of successful professionals to ensure that every aspect of the plan has been interpreted properly and based on the very latest information and offerings. I would present my recommendations to you, explain all the benefits and possible alternatives, answer your questions, and outline the process going forward. Only once this has been agreed can we progress to implementation.

I continually reinforce my belief that a good relationship is essential for an effective plan, because although an annual review of your plan is essential, life milestones work to a different calendar and you may have a baby, change jobs or perhaps receive a capital payout in between reviews. With a close working relationship, we should always be able to plan around these events timeously. Should no huge milestones occur, your plan will be reviewed with your involvement annually, to ensure that the plan keeps working for you at an optimal level to help you achieve your goals.