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Our goal
Simply put, our goal is to help you win. We do not want to rely on luck, but aim to help you make your luck.
Getting your Position and Balance right with your finances will give you stability in the first instance and then their Coordination with ongoing reviews will give them direction towards fulfilling your goals and aspiration.
In other words, keeping as much as possible of your hard earned money for yourself while you are alive, and for your loved ones in the event of your death.
In board games, you can speed up your progress by throwing a double ‘six’: see how you can improve your ‘position’ and ‘balance’ by clicking below
Position:
Six points to play the finances game
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1. Have access to emergency cash, when you need it, e.g. in case of emergency
2. Spend less than what you take home
3. Plan ahead and obtain real return
4. Contingency if things don’t go to plan (death, disability or serious illness)
5. Update your Will: avoid your hard earned money or wealth going to the wrong people in the event of your death
6. Monitor and review the progress of your Game Plan.
Balance:
Six points on Advice
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1. Type of advice needed (is it a one-off transaction or ongoing need)
2. Type of adviser needed (‘whole of market’, restricted or tied)
3. Your worth (they must understand the problems you face and the risk you are prepared to take)
4. Your profession (they must understand your employer benefits, tax position, etc.)
5. Financial product knowledge (experience and research capabilities)
6. Empathy (take the time necessary to ask the right questions and understand your worries before making recommendations).The Advice Process
Whether you need WealthCare Planning or Focused Financial Planning, we’ve adopted a simple process to help our clients solve their financial puzzle.
The process is designed to be easy to follow, straightforward and in bite-sized stages so you know what needs to be done to progress.
After an initial consultation (at no charge), we have 3 stages:
Initial Advice
- Review Check-up Stage (Exploratory & Discovery) getting to know you: what you already have, your objectives and aspirations, and itemising your shortfalls.
- Research Stage – this is central to finding the best options to address the shortfalls.
- Recommendation Stage – strategic financial WealthCare Game Plan or Focused Financial Planning Advice
Implementation
- After fine-tuning, Implementation of Game Plan or chosen financial products
- 90 day check-up
Ongoing Reviews and Follow-up Advice
- Up-dating your Game Plan in line with changing needs (family, education costs, holidays, debt repayment, moving house, retirement plans etc.)
- Rebalancing your investments to suit your Attitude to Risk and Capacity for Loss
- Balancing your income and expenditure: whether you can save more towards your goals
- Reviewing your tax position
- Making use of your allowances
Financial Health Check
We offer two key services
The Advice Process
