Financial Route Planner™ (Holistic Financial Planning)

We also under take full holistic financial planning which is usually done on a fee basis or as part of your Wealth Management package.

As part of your Financial route plan we take information on your total financial position and help you identify your goals and targets and then create an annual plan to allow you to meet your goals.

Why Plan?

Without a realistic game plan, the likelihood of achieving or maintaining any kind of financial freedom is left to chance. Most people suffer anxiety concerning their finances. Why?

• Failure to understand available investment alternatives
• Failure to establish a plan
• Failure to commit to a disciplined investment strategy
• Failure to achieve acceptable rates of return (control costs)

We will help you address and resolve these issues with an individually designed and financial plan.

The plan will vary from individual to individual (or couple) depending on life stage etc but will usually combine checking and finding solutions to risk based issues, making most of investments, targeting and achieving required retirement income, minimising taxation etc.

The plan takes into account the interaction between different aspects of your finances and covers areas like your deposit accounts that are usually excluded from the normal financial adviser process.

We subscribe to the standards of the Institute of Financial Planning and Ian Smith and Samantha Barrett both hold the Certified Financial Planner licence (the only worldwide accredited qualification for such Financial planning work) and the other advisers in the practice are working towards this qualification.

As part of the process of identifying your goals we ask you to think about your life intentions using a model questionnaire developed by Maria Nemath PHD