Our approach
A goal without a plan is just a wish. We help you make the plan — and act on it.
What is the one thing you would most like to do in your life? For many of our clients, it is to be ready for retirement. If that’s true for you, we’re here to show you how.
What we believe
Risk is the chance you won’t reach your goal.
Those who judge their portfolio by its performance against some narrow benchmark are focusing on an issue that is largely irrelevant to their ultimate financial success. The benchmark that matters is whether you are on track to accomplish your goals.
So, using a financial planning framework, we design portfolios with a high historical probability of meeting the goals in your plan — not portfolios intended to beat everybody else’s.
Above all, we help our clients so that they do not run out of money in retirement. We try to make a complex subject easy, even enjoyable. We respect your time, and we are experienced at translating your needs into action quickly.
Past historical probabilities do not guarantee future outcomes. Investments in the securities market are subject to market risks.
What we help with
One plan that brings your financial life together.
Retirement income
How much you need, when you can stop working, and how to draw a monthly income from your savings in a sensible order.
Goal-based investment advice
An asset allocation for each goal — retirement, children’s milestones, a home — matched to your risk profile and reviewed over time.
Insurance and health cover
Whether your life and health cover is adequate, especially as premiums rise and employer cover ends at retirement.
Tax-aware decisions
Thinking through the tax side of withdrawals, regimes and investment choices, working alongside your chartered accountant.
Cash flow and liabilities
A clear picture of what comes in, what goes out, and which loans to close first.
Passing it on
Nominations, joint holdings and the paperwork that makes life easier for your family, in coordination with your legal adviser.
In the past we have not been enthusiastic about high-return, high-commission or aggressive-category products. Our solutions are simple, and our clients and we are comfortable that way.
GPRS
Goal-focused, Proactive, Responsive, Simple.
Goal-focused
Every recommendation is tied to something you want to do with your life, not to a market index.
Proactive
We raise what needs attention — a tax change, a maturing policy, a drifting allocation — before you have to ask.
Responsive
When markets fall or life changes, you reach a person who knows your plan, from our official number.
Simple
Fewer products, explained in plain language. We would rather you understand your plan than be impressed by it.
How it works
An introductory call, then a simple five-step method.
The introductory call is for understanding your needs and exploring together whether we should work together. There is no charge, and no advice is given on it.
- 1
Onboarding
We sign an agreement that sets out our fees and any conflicts of interest, complete your KYC, and assess your risk profile.
- 2
Discovery
We learn about your family, income, expenses, assets, liabilities and the goals that matter — retirement first among them.
- 3
Planning
You receive a written plan: how much your goals need, where the money will come from, and how it should be invested.
- 4
Execution
Our execution desk helps you put the plan in place through registered platforms, in your own name and on your instructions.
- 5
Review
We meet regularly and whenever life or markets change. Our engagements are long-term; this is where we add the most value.
Where are all the customers’ yachts?
Two men were walking along the waterfront near the New York Stock Exchange. One pointed to the elegant yachts at the dock: “Those belong to the celebrated stockbrokers of Wall Street.” The other asked, “Where are all the customers’ yachts?”