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The following are examples of some of the services we provide:

Retirement Planning/Financial Independence Analysis

When do you wish to retire? How much do you need to save to meet your goals? Your goals, present savings, and many other factors will be analysed and a realistic projection will be developed. This can help you adjust your savings and spending now to make your retirement goals attainable.

A personalised asset allocation plan can be developed based on your needs and objectives. You will learn how to balance your investments to hedge against inflation and unpredictable economic and market cycles. Diversification appropriate to your investment horizon can enable you to reduce portfolio risk/volatility, while enhancing returns.

Sample Retirement Report (152k)  

Special Needs Planning

We can create a plan for any future event you intend to save for. Special needs such as education planning, budgeting, debt reduction, charitable giving, second home purchase amongst others, can all be planned for in advance. Also, careful planning can ease such life transitions as the death of a spouse, divorce, second marriage, early retirement, and starting a small business. The example below shows school fees planning.

Sample School Fees Report (166k)  

Estate Planning

How do you want your loved ones cared for and your assets divided? The focus is on reducing one of the most avoidable taxes, Inheritance Tax, while ensuring your wishes will be carried out. An example report is attached which illustrates a sample situation and projects the potential tax payable in the future.

NOTE: The proposed inheritance tax changes (April 2008) have not been taken into account in the example report. The report will be updated to reflect these in the future.

Sample Estate Report (12k)  

Comprehensive financial plan

Covers most, if not all financial circumstances in one report. For example, extensive risk profiling, Stochastic Models for requested life events, Suggested investment strategy, calculation of net worth, Income/expenditure breakdown, Specific Need(s) planning, Retirement Planning, Cash Flow forecasting, Disaster Planning, tax planning/mitigation.

Sample Financial Plan (604k)  

Please feel free to get in touch if you would like a review of your current/future financial circumstances.