Wealth Road Map
Strategic approach to handle the
complexities of financial life.
We aim to ensure every client has a strategic approach to navigate the complexities of financial life. This approach focuses on their needs, wants, and wishes. It considers their current situation, financial position, and personal objectives.
We help clients harness their resources to improve their potential in support of their personal objectives. We create a unique Wealth Road Map for each client, consisting of two harmonising components: a Planning Strategy and a Portfolio Strategy.
The Planning Strategy is the first step when developing a client’s Wealth Road Map.
We use Cash Flow Technology to create a clear picture of our clients' financial future. This includes life expectancy, existing arrangements, surplus income, anticipated asset growth, financial milestones, and macroeconomic factors.
We forecast two scenarios: one based on their current trajectory, and another based on our proposed planning. These forecasts are presented in a detailed report, outlining the benefits and limitations of our suggestions. This allows for thoughtful discussion and refinement. We then address any queries and adjust the plan to finalise their Planning Strategy.
We offer two planning services: our Wealth Navigating Service and our Wealth Optimising Service. Generally, clients are either nearing retirement or already retired, looking to minimise death duties.
Our planning services are described below.
Once the Planning Strategy is in place, we turn to the Portfolio Strategy.
We apply Modern Portfolio Theory to improve risk control and target profitability. This depends on factors like time horizon, risk tolerance, and inflation risk.
Some clients prefer an active allocation approach, while others opt for a more cost-effective passive alternative. Clients range from cautious to balanced, with a few being adventurous. We begin with a risk assessment, continue with a discussion on risk, and conclude with a Portfolio Strategy that meets their personal objectives.
Our portfolio service is described below.
"We went through our finances looking at every detail before deciding on our plan. Since then, we’ve had plenty of regular income and we’re enjoying our retired lives. We leave the worrying to you and trust you to do what’s best."
"You're always courteous, patient, professional and knowledgeable explaining complex investments in easily understandable language."
"You look after all our investments and both our trusts. We’re very comfortable with our position and our potential. Keep up the good work!"
