Our process starts with understanding your goals, your dreams and the aspiration that you have. These goals can be the big things like how will your retirement look, how will you fund those trips to Europe, Asia or North America, perhaps it is trips to Australia to enjoy time in the sun.

Once we understand what you want to achieve, we look at the risk you are prepared to take. In some cases, you can achieve your goals without taking any risk, in which case we will tell you that. However, in most cases, you will need to take on board some investment risk, so we look at your attitude to risk, how you react to investment risk and finally, your capacity for risk. Overlaying these three components allows us to recommend a portfolio that will stand the test of time. This will avoid one of the biggest mistakes investors make, which is reducing risk at times of market volatility, resulting in realising losses. Over the years, this is the biggest contributor we have seen to investors not achieving their goals.

Having understood your objectives and attitude to risk, it is time to develop a portfolio for you. There can be several iterations along the journey as we will work with you to make sure the portfolio we construct meets your goals and is understandable. It will also take into account any preferences you may have

Once we have agreed on the final portfolio, we will implement this. You will have online access to see how the investment is performing and how the individual managers we select contribute to your overall wealth.

Finally, we meet regularly to review the investment, to answer any questions you may have, and where necessary, make necessary alternations due to changes in markets, changes in the managers or simply because your goals change.

You will also have access to us to answer those questions that come up from time to time.