Thinking about the next chapter. We believe with our help financial planning means you can make fully informed decisions about you, your future and your family.
We put needs first, wants later.
We follow a ‘goals based’ approach which means identifying those ‘need to do’s’ as well as ‘want to do’s’ and setting a strategy to achieve them.
Explore the full spectrum of services designed to grow, protect, and transfer your wealth.
One of the pillars of our proposition is bringing a sense of empowerment to you, a feeling of having control over money matters. Another cornerstone of our approach is to strive to deliver a highly personalised service to each of our clients.
There are different approaches to offering wealth management services, but perhaps the most progressive, is referred to as ‘goals based planning’. Compared to a more traditional approach, goals based planning, we believe, brings greater clarity to your affairs, and moreover a greater sense of control. Furthermore, it allows us to zero in on what’s really important to you, and identify strategies to reach those very individual goals you may have.
Traditional
Financial Factors Assets and Liabilities Single’Risk Attitude’
Goals Based
Financial and behavioural factors Client goals What matter’s most
| Traditional | Goals Based |
|---|---|
| Financial Factors Assets and Liabilities Single'Risk Attitude' | Financial and behavioural factors Client goals What matter's most |
| Traditional | Goals Based |
|---|---|
| Relative to Stock Market: shorter term focus prevails | Monitoring progress towards established goals |
| Traditional | Goals Based |
|---|---|
| Single Risk tolerance for all investing ‘buckets’ | Risk capacity against each goal Seeks to calculate confidence levels of reaching a given goal Considers shortfall potential |
| Traditional | Goals Based |
|---|---|
| One overall portfolio | Asset classes or strategies for each individual goal |
As life transitions, your goals, both pressing needs and wants, will progress with it.
Goals based planning provides an ideal framework to put into place a life cycle
wealth management process.
We call this ‘foundational planning’ i.e. getting the basics right.We expect that you’ll be focussed on:
Funding your lifestyle
Getting onto the property ladder
Moving on in the world professionally speaking
At this point, your emphasis or priorities are likely to be retirement planning. Never a ‘goal’ in its own right, but providing for later life is an important matter to consider.
Our advisers have an understanding of complex planning affairs, which may be global, and will work with you to understand what you want from life and how to structure your finances to best achieve that.
We will arrange custody of your assets at one of the world’s largest custodians, whilst you will be able to download our bespoke cutting edge wealth management app with institutional grade portfolio management.
