We have a robust advice philosophy and approach to investment planning which is supported by Old Mutual Wealth and other bespoke solutions providers. It is with pride that we aim to deliver impartial high-quality, cost-effective financial advice trough highly qualified and experienced planners. Studies found that households working with a financial planner made the best overall financial decisions
and found the advice to be significant in many instances. Our service starts by profiles investors based on their financial objectives, risk tolerance, investment horizon, and demographic and wealth characteristics. We start by defining your financial goals or wealth target and then estimate the probability of you achieving it, at the end of the specified period. We ultimately seek to improve your chance of achieving your desired future spending goal. To do this, we consider a myriad of planning-related metrics that extend beyond portfolio outcomes. These include financial behaviours such as optimal savings and spending; the assumption of debt; budgeting; insurance and risk management; various elements of tax-efficient retirement planning; and legacy, bequest, and estate planning. You will be provided with a proposed financial plan that includes a cash flow forecast, the probability of successfully achieving their stated goals (such as financing a secure retirement), and a recommended portfolio strategy. Because it is client centric the plan will always be customized and address all aspects of your financial well-being and includes provision for children, estate planning and others. At several points, investors engage with the planner who explains the plan and may adjust it (within various guardrails) based on feedback. Once the plan is accepted, clients are enrolled on their financial journey. Planners continue to engage with clients on various elements of the plan over time. These ongoing conversations encompass a wide range of investment and financial planning topics, ranging from study savings to retirement income optimization. You can always trust that your needs will be first and foremost and that you will always be informed whether you still on track. Another great benefit of our advice is to better equip you with the insights required to develop strategies but also to monitor if it is still successful over time. The commitment to deliver results and value bring an emotional relationship about. Underlying elements include trust, your own sense of confidence, your perception of success or accomplishment in financial affairs, and the nature of our behavioral coaching such as “perspective and stay the course” in periods of market volatility.
