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Step 1

Uncover and Set Goals

If you don't know where you're going in life, don't be surprised if you don't like it when you get there. Helping you uncover your goals is the most important step in the process of achieving your lifestyle goals.

We'll help you determine and define what's important to you; what would make your life more enjoyable? Where have you always wanted to live? When do you actually want to retire? Where have you always wanted to travel? What work have you always wanted to do?


Goals are a personal thing, so most importantly don't be afraid to go further and think outside the box and about what would give you a sense of fulfilment in life.

Step 2

Project Outcomes

Having a clear path to follow that outlines the steps you need to take and their potential effect towards achieving your goals, gives you greater certainty of what the future might hold, motivates you  to stick with your plan and ultimately can improve your chances of success.


Our Financial modelling software considers your annual income, expenditure, debt and asset position. We can then project results into the long-term future. This gives us an objective guide and template to follow. Results are based around realistic terms, funds available to invest, achievable returns, realistic debt reduction targets, possible tax efficiencies to pursue, and asset accumulation strategies to implement which can fund your goals.

Step 3

Develop Strategies

There's no point in setting goals if there's no strategy to back them up.


We work with you to establish a strategic approach to achieve your goals. The strategy will encompass your need to do what is necessary to achieve your goals but we also understand the importance of striking a balance between enjoying life now and putting aside resources to enjoy your future. 

We are great believers that the best strategies are simple, easy to understand and follow. 

The major themes our strategies focus upon are:

- Cash flow management & emergency funds

- Debt management and control 

- Risk protection strategies 

- Capital accumulation strategies to fund future goals

- Retirement planning and funding strategies 

- Estate & Succession planning 

Having strategies in place that address whichever of the above needs that relate to you can give you a greater sense of certainty, security and optimism for the future. 

Step 4

Manage Cash Flow

The first step towards financial well-being is actually being in control of the money you have and earn. 


Getting a handle on how much money you’ve got coming in, and how much money you’ve got going out is the foundation of a solid strategy. But this can be easier said than done. 

If you can't save, you can't accumulate capital to fund your goals.


Perhaps, the greatest value we add to our clients financial well being is teaching them to become masters of their cash flow, rather than enslaved to consumerism and debt. 

We will teach you how to become mindful in your spending habits. Every dollar you spend makes you poorer but the recipient wealthier. Simply asking yourself the question, before you make any purchase, "is this really worth making me poorer and the other person wealthier?" Can help you practice mindful spending. 

Budgets don't work, they're hard to stick to and inevitably fail.


We like to keep things simple, we break down your spending into broad categories and set up banking structures to enable automated saving, debt reduction, investment accumulation and guilt free spending.  

This above all else will have the greatest positive impact on your ambitions for the future. 

Step 5


This step sounds really simple and obvious, but many great outcomes are never achieved, simply because a great plan never made it past the drawing board. 

Having worked with you to create a workable plan, we will then implement the steps required to action the plan. This step sets the strategy in motion to achieve your goals. 

Step 6

Review Adjust & Adapt

The only constant in life is change. Over time, your life will change, your goals will change and your circumstance will change. Life will throw curve balls. A good financial plan needs to be dynamic and fluid, to change and adapt to life's ebbs and flows. 

An annual review or when your circumstances change, allows us to identify any changes. We can then adjust and adapt your plan to respond and make the most of your changing circumstances. 

This step gives you the comfort of knowing, that regardless of life's changes, your plan is adaptive and can be changed to make the most of your financial position.  

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