We start by getting to know you. What are the circumstances of your family life or business? What is your current financial position and what are your goals and aspirations for your financial future? This initial conversation helps us get a clear picture of where you are and where you want to go.

Next, we collect the necessary information to understand your financial landscape. This includes details about your income, expenses, assets, liabilities, and any existing financial arrangements. Our goal is to build a comprehensive picture of your financial situation.

With the information gathered, we identify any opportunities, issues or risks, quantify the financial impacts, and determine the solutions needed to minimise your risk exposure. This step ensures that we address any gaps in your current plan and explore opportunities for improvement.

We also model various “what-if” scenarios, in line with your goals, to see how different decisions could impact your financial future.​

Common ‘what ifs’ we look at:

• Having a baby and drop to one income

• Renovating your home and increasing debt

• Planning for early retirement

• Preparing for unexpected events like illness or disability

• Buying an investment property

• Selling a business or planning its future

We then present you with a detailed plan explaining how and why we’ve assessed the issues the way we have. It highlights any gaps in your current plan and provides practical options, using your current resources or, if required, recommending and sourcing any financial products. This empowers you to understand the financial risks and make informed decisions.

Once we’ve agreed on the action plan and responsibilities, we assist in putting the plan into action. This may involve coordinating with other professional advisers to ensure legal agreements, estate planning, and structures are appropriate. It may also require us to source financial products or manage changes to your existing plan.

Financial planning is not a one-time event. We meet again annually or as needed to review the plan and all its components, ensuring it remains relevant to you. Life changes, and so should your financial plan. Regular reviews help keep your plan aligned with your evolving goals and circumstances.