Financial Planning is a comprehensive overview of your finances and your life goals. It considers the two areas as one and aligns your finances to meet your personal goals. Unlike Financial Advisers, Financial Planners do not focus on selling financial products. Financial Planning puts clients’ needs first and helps them achieve their financial and lifestyle goal with a standard of care.
It is a process consisting of six fundamental components – Financial Management, Tax Planning, Asset Management, Risk Management, Retirement Planning and Estate Planning.
With Financial Planning, none of the above components are ever dealt with entirely in isolation. They are considered wholesome and it is the integration and interdependencies among these components, as well as the need to analyze and synthesize information presented to formulate strategies, which distinguish Financial Planning from other forms of financial advice or financial intermediation.
Specific product recommendations or sales are not, in and of themselves, Financial Planning activities. While the process leading up to a specific product recommendation may well involve some Financial Planning activity, the actual product recommendation clearly falls outside the scope of Financial Planning.
All financial planning services will be delivered in accordance with the following standard of care:
Putting the client's best interests first.
Acting with due care and in utmost good faith.
Not misleading clients.
Providing the full and fair disclosure of all material facts to the clients.
Disclosing and fairly managing all material conflicts of interest.
Our main Areas of our Business are:
Risk Management & Protection Planning.
Retirement Planning & Retirement Benifits Planning
Education Expense Planning
Estate Planning and Wealth Preservation (Wills & Trusts)
Tax Mitigation
Investment Planning & Wealth Management
Arranging Mortgages (Residential & Buy-To-Lets) and Secured Loans
Commercial Loans