SERVICES PROVIDED

During the course of Professional Financial Planning, we are able to provide the following services to our clients.

Financial Planning or Consultation services that can be provided:

Service Category	General Service Scope
Administration & Intermediary Services	General financial administration and implementation; Updates to Financial Plan and Portfolio; Compilation of tax info; Enhanced performance reporting;
Cash-flow Planning	Budgeting; Emergency Fund Planning.
Retirement Planning	Pre- and Post-retirement planning; Retirement Asset Preservation; Retirement Annuity, Pension and Provident fund creation; Annuity creation (living-, life- and combined-annuities).
Investment Planning	Asset allocation, structure- and portfolio-planning pertaining to: Discretionary Savings; Tax-Free Savings; Pre- and Post-Retirement portfolios; Direct Offshore portfolios; Education savings; Ad hoc Savings Goals; Direct Securities; ETF portfolios; Endowment Policies; Currency and Forex transactions; Bespoke investments; Equity Structured Products.
Asset & Liability Planning	Setup of debt paydown strategies; Property Investment Evaluation; Income and Expense matching.
Risk Planning	Long term insurance requirements such as: Life Insurance; Disability Cover; Income Protection; Critical Illness Cover.
Tax Planning	Tax planning and structuring; Tax Efficient Investing.
Estate Planning	Wills; Simple Estate Planning; Trust considerations.
Financial Coaching	General financial consulting and discussion; Assistance with life altering events that have a financial impact on clients.
Research & Development	Product-, investment-, structure- and provider due-diligence investigations and analysis; Researching and developing investment- and asset-allocation strategies.

Ongoing planning, advisory, administrative and intermediary services that can be provided:

 

Service Category	General Service Scope
Ongoing Administration & Intermediary Services	Administrative maintenance, Instruction tracking, FAIS and FICA compliance, Consolidation of Tax information, Portfolio reporting, Valuation statements, Demographic changes, Error corrections, Forex services, Record maintenance, Quoting, Comparisons, Provision of factual information, etc.
Ongoing Financial Planning/Advisory Services	These services are related to all the underlying financial planning and advice components listed in the table above and generally they include: the Maintenance and amendments to your Financial plan, Portfolio/investment re-balancing, Income revisions for retirees, Review meetings, Progress reporting, Additional financial planning/advice needs, Analysis and projections, Investment/product/structure research, Tax planning and structuring, Maintaining budgets and cash-flow plans, Discussion of tax implications, Property investment evaluation, Debt to asset analysis, Maintaining of Wills, Estate illustrations, Bias management, Behavioural finance considerations, Support with life altering events that have a financial impact, Due-diligence investigations, Strategy amendments, etc.

Not all clients will use all of our services and, at the request of the client, our services may be rendered in a limited scope.