The Three Hats

The first hat we wear is that of a ‘Life-planner’. The Life-planners’ job is to identify exactly where you are now, how you got to where you are now, and more important, where you want get to in the next 5 years, 10 years, 15 years, 20 years.

Then, when we know what you want to achieve, we put on our second ‘Financial Planners hat’. The Financial planners job is to identify all of the financial re- sources available to you now; all of the resources becoming available to you in the future, and more important, all of the resources that you might NEED to become available, so you can get where you want get to in the next 5 years, 10 years, 15 years, 20 years

When we have this information we then put together a comprehensive plan in a simple format which will show you what your financial future looks like – and what action you might need to take to achieve your goals.

Finally, when we’ve agreed on a financial plan, IF any financial products are needed to help satisfy the needs of your financial plan, only then will we put on our third hat which is that of financial adviser in order to identify which financial products or investments from the whole market place should be implemented to achieve your goals.

Although very technical we believe for you our financial adviser work is the least important part of the job we do. But when we eventually do that part of the job, we’ll be doing it knowing and understanding what you are trying to achieve and any products or investments (if any) will be recommended for all the right reasons.