Our Process

A financial plan is a combination of understanding where you are now, knowing where you would like to go and the path that you will take to get there. In order to have a sound financial plan, a full financial analysis needs to be completed.


A full financial analysis is an assessment of your current position, including but not limited to the following aspects:


·         Will and Succession Planning

·         Marital status ( Including the Marital contract type)

·         Nationality

·         Age

·         Current Income and any potential income.

·         Current assets and liabilities ( Both locally & abroad)

·         Financial Priorities : Goals & Plans

·         Preferences.

·         The action plan going forward


All this information is for our advisers to get an understanding of who you are and what you need as well as to determine what your appetite for risk is and your overall risk profile. An appetite for risk and an overall risk profile refers to your attitude in terms of growing your overall portfolio: Are you will to risk greater losses in order to get greater returns or is your preference more towards less loss, lower return.


It is important to understand that your relationship with your financial adviser is not short term and is built over your life journey, so the information gathered should always be updated to ensure that any changes which may occur in terms of your personal circumstances or financial goals can be taken into account, so that alongside your financial adviser, you can ensure that you are always working towards achieving your financial goals.


The First Meeting:


The first meeting is used for our adviser to briefly introduce themselves and for you to get better acquainted. In this meeting our adviser will look to do a full financial fact find to define your financial goals in order to determine your current and future income and capital requirements.


It is important that during this session you ask as many relevant questions regarding your personal financial goals and concerns. It is important that our advisers understand fully what your concerns, goals and priorities are so that they are best equipped to help you structure your financial plan in order to achieve your financial goals.


All information required by the financial adviser will be completed onto a confidential client profile, which will be reviewed with you at the end of the meeting to ensure that all information gathered is accurate so that your adviser is able to use it to complete your financial needs analysis.


Follow-up Planning Meeting:


In this meeting, your adviser will present the completed financial needs analysis, which was completed using the information which you provided in the first meeting as well as information gathered regarding your risk profile and overall attitude towards risk.

Based on the financial needs analysis, your adviser would have selected a range of products which would meet your requirements and risk profile.


The Financial Advisory and Intermediary Services Act (FAIS) requires your adviser to practice full disclosure which means they must provide a full break down of all the benefits ,drawbacks and costs of each product.


Once again, at this stage it is important to not only listen to your adviser but also to ask as many questions as you deem necessary. You are ultimately taking control of your financial future and so need to be able to make an informed decision.


Once you have agreed on the products and documentation has been completed to implement them, you can now rest assured that you have a financial plan in place to secure your financial future.




You need to review your financial plan at least once a year to make sure your plan is on track. However our advisers are committed to reviewing your portfolio on a quarterly basis. Should your circumstances change, it is important to let your adviser know and have your portfolio reviewed to ensure that it continues to develop along with your circumstances.


Your financial plan is not stagnant and like your circumstances it can change in order to keep track with your financial requirements. It is important to check with your adviser over time as to whether or not any minor adjustments will need to be made in order for your financial plan to remain relevant in achieving your financial goals.


It is important to always remember that it is not about timing the market, but rather time in the market. Your portfolio should not be changed unnecessarily. Should your adviser recommend any changes, always question as to their reasons why and be sure to find out about any cost implications any changes may have in terms of your portfolio.