Your Journey With Us

We Provide Advice. Full Stop.

We cannot say it more plainly, take a look at our list of our do’s and don’ts. What we don’t do may be just as important as the services we do provide. It should help you understand why we’re unlike other wealth advisors.

Here’s what WE do

01

First, your life story

Money is just a tool to support and enhance your life. What is that life, which is full of dreams and doubts, joys and sadness, successes and failures, exhilaration and regrets, family, friends and neither and much more because it is your life. We want to hear and understand Your Life’s Story.

02

We gather financial outcomes of your life story

What are your assets and liabilities, including savings and investment portfolio. What is your tax situation and your tax returns? Business interests. Long term plans in place.

03

We focus on what you spend

A Cashflow summary is needed. We have heard your story, now what does it look like in dollars. What are your incomes and spending for the life you inhabit?

04

We model your described life financially

We construct a working model using all the hard inputs you have given us. We then collaborate with you to make sure it is reflective of your reality. You will help us fine-tune the model.

05

We guide you through your financial story

We let your financial story do the talking. Remember money is just a tool without power until it is spent. How does that spending align with your goals, hopes, dreams and reality?

06

We help interpret the intersections of your life story

We point out for you the High and Low points. Not our job to sugarcoat or pull our punches. Your Story is providing the truths. We just confirm them. We will together revel in the possible achievements and commiserate about the lows. We will together see if you are OK or if work needs to be done.

07

We provide our observations

We will provide clear observations about new opportunities for planning, tax savings and fee savings/management as told by your story. Your risk capacity, risk tolerance, current risk status and your perception of such will all be discussed. Future portfolio management ideas, financial strategy adjustments, cashflow modifications and tax savings potential will all be discussed. The need for an estate plan and its extent will be reviewed. We will be frank about the possibility of you being a DIY investor – we are fans – or discuss what type of investment advisor you need or prefer.

08

We provide security advice and assistance

Your savings and investments need to be dealt with. We will assist with all account establishment, paperwork, and facilitate and communicate the implementation of appropriate investment strategies to your chosen advisor, and provide discipline rules to ensure consistency with your financial plan. We will support you in being a DIY investor.

Here’s what we don’t do

We don’t earn fees from anyone other than what you pay us.

We don’t sell anything – no insurance, not our own funds, nothing.

We don’t run proprietary research in-house.