We help you make smart decisions about your financial future. We achieve this through a tested and successful process – the creation of your own wealth plan.
The key to an effective wealth plan is to analyse and integrate all aspects of your financial situation to ensure they are synchronised and working effectively towards achieving your goals and providing you with peace of mind.
Steps in a Wealth Plan include:
Your income determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.
Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.
Your debt plan analyses your current debt structure and determines the role debt can play for you in building your wealth.
Your risk plan analyses your financial needs in the event of a setback to your most important asset, your health. We seek to identify and where possible mitigate your exposure to financial stress in case of an inability to earn income. Getting the right level and type of insurance in place is critical to reducing your financial risk.
Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you desire.
Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority. Our aim is to help you arrange to get the right assets, to the right people, at the right time.
What can you expect from your onePlan financial adviser?