We have a very clear vision of what great Financial Planning looks like. We believe in delivering more value and more meaningful outcomes.

We aren’t like traditional financial advisors; it’s why we call ourselves Financial Planners. By focussing on your objectives and bringing your unique financial plan to the forefront of all our advice means we aren’t just managing your money, we are helping you achieve your biggest dreams.

There are 2 main things we believe in more than anything else. Proper financial planning and following the facts when it comes to investing money.

Holistic Lifestyle Financial Planning

Proper holistic lifestyle financial planning is totally different and about much more than financial advice in its traditional sense. Where we can add most value is getting you to dream big and think about what you really want by getting you to describe to us what your ideal lifestyle looks like. We want to know about your early retirement plans, your round the world cruise, helping your kids onto the property ladder, starting that business, buying a boat – whatever it is. We’re excited about what you’re excited about! Maybe it’s a cliché but we’re only here once, this is no dress rehearsal and time is short. We want you to be intentional to squeeze the most out of your time. Most people sadly stumble into retirement and hope it works out, but you wouldn’t get in a car without knowing where you were trying to get to, why would your finances be any different? Designing the life and retirement that you really want, putting a proper plan on how you can achieve it and then bringing in the investment solutions to get you there - that’s what proper holistic lifestyle financial planning is all about.

Investment Beliefs

We believe that the one thing we cannot control is in fact investment performance. We do not believe that choosing individual investments such as stocks to ‘beat the market’ adds any value to our clients and as such we won’t recommend it. Nor will we look to expensive active fund managers to do this as the data heavily suggests that they also cannot beat the market with any degree of consistency. We will instead adopt an ‘Evidence-Based’ investing proposition which provides a structured, globally diversified, and disciplined approach to portfolio construction that creates wealth by capturing the returns of the whole market, driving down costs and removing the emotional decision-making of a “beat-the-market” mindset. Our investment beliefs are that clients should buy and hold a highly diversified portfolio of low-cost, index funds and, other than rebalancing, when necessary, trade as infrequently as possible to minimise costs. We want clients to invest in as broad a range of funds as possible and minimise costs by trading as little as possible over the course of their investment. We use external Discretionary Fund Managers to construct and manage the portfolios on an ongoing basis so we can focus on what we are best at, which is the financial planning.

Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.

Our team is dedicated to providing personalised financial planning solutions tailored to your needs.

Don’t just take our word for it, take a look what our clients have to say.

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