The first thing we do for clients is review their financial affairs to date. Only by getting to know about all of our clients circumstances can we offer truly integrated financial planning solutions. Too often advice is given in isolation and as a result opportunities are missed. Typically when carrying out reviews of this kind we discover that people have received financial advice from a number of sources where each of the people offering the advice have failed to take account of other relevant considerations. Our holistic approach allows us to provide you with the following.

Structuring Advice
Because any good plan should be built on a solid foundation we initially look at a number of areas including:

• Loan structures, including commercial debt, home loans, interest only versus annuity loans etc.
• How you pay yourself, including salary, expenses, pensions and rent.
• Utilizing revenue approved expenses regimes.
• Future expenses, including education and retirement.
• Asset holding structures, personal assets, business assets, assets owned in trust, basically a review of who owns what and why to insure the optimum structures are in place.

Goal Setting
Setting a target for a future date and seeing where you are and where you need to get to will help focus our work and bring to life both the benefits and the risks of the various options available to you. For some people achieving their stated goals may require radical changes for others it may just be small modifications. The most important consideration is that both of us are on the same page when it comes to what you want to achieve and how you wish to get there.

Regular reviews
Because your circumstances will be continuously evolving we will need to maintain regular contact, in addition to having a formal once a year review we have seen from experience that our client relationships form a life of their own and meetings should happen as often as is necessary. There will be the obvious meetings that will happen prior to tax deadlines where we work with your accountant and provide additional tax planning services which compliment the ones they can provide. In addition we are available for consultation on all the financial decisions you feel are relevant to the plan we agree.