How we work

As lifestyle financial planners, we follow a carefully curated process when it comes to working together. Here’s what you can expect.
Stage 1


Understanding and listening are crucial to the start of the journey. Our initial conversations cover four key points:

  • An understanding about you. What is important to you and motivates you? Your immediate, medium and longer-term goals in life.
  • Some fact-finding, gathering and analysing your financial data to identify your current position.
  • Your investment preferences, attitude to and capacity for both risk and reward.
  • Your time horizons for achieving your priorities.
Stage 2


We will begin to develop your plan, underpinning it with a cashflow model. This will give your plan a reality check and help you make good, informed decisions.

  • We will capture your changing income streams and lifestyle expenditure through current and future life stages, and we will look at your “what if” scenarios.
  • We will highlight, in real terms, where you are now and where you are going if nothing changes.
  • Your plan will provide a clear map that illustrates the impact of any financial decisions you may want to make, identifying what’s necessary to get to where you want to be.

Stage 3


We will begin to implement the changes we have agreed on and start to turn your plan into a reality. We know that a plan without action is not a plan that can effect change, so:

  • We focus on actionable priorities.
  • We explain our recommendations.
  • We get your approval to take action.
  • We act and review our actions with you.

Find out more about what our clients say about the plan here.

Stage 4


We provide regular plan monitoring and management to ensure your plan constantly evolves over time. We commit to the following:

  • Holding a review after implementation to confirm we are on the agreed course.
  • Formal plan management updates and regular contact with you.
  • Ensuring your plan remains current and achievable by monitoring progress and making adjustments.
  • Ensuring you have the flexibility you need to accommodate the inevitable unknowns.