Client Meeting: The process begins with in-depth discussions to understand the client's financial goals, risk tolerance, investment preferences, and time horizon.

Data Collection: Gathering detailed information about the client's current financial situation, including income, expenses, assets, liabilities, and any existing investments.

Goal Setting: Establishing clear, achievable financial objectives with the client, such as retirement planning, education funding, or wealth preservation.

Risk Assessment: Evaluating the client's risk tolerance to determine the appropriate mix of asset classes, such as stocks, bonds, real estate, and cash.

Diversification Strategy: Creating a diversified portfolio to minimize risk and maximize potential returns, tailored to the client's specific needs and objectives.

Periodic Review: Regularly reassessing and adjusting the asset allocation to align with any changes in the client’s circumstances or market conditions.

Comprehensive Plan: Developing a holistic financial plan that includes investment strategy, tax planning, estate planning, and insurance needs.

Cash Flow Analysis: Analyzing income and expenditure to ensure adequate cash flow for both current needs and future goals.

Scenario Planning: Using simulations and projections to assess the impact of different financial scenarios on the client’s objectives.

Discretionary Basis: Our firm makes all investment decisions on behalf of the client, based on the agreed strategy, without needing prior approval for each transaction. This allows for quick decision-making and efficient portfolio management.

Non-Discretionary Basis: Our firm provides recommendations, but the client retains final decision-making authority on investments. This approach is suited for clients who prefer to be more actively involved in their portfolio management.

Performance Monitoring: Continuous monitoring of the portfolio's performance against benchmarks and client goals.

Reporting: Providing regular updates and reports to the client, ensuring transparency and clear communication.

Client Meetings: Scheduling periodic reviews to discuss performance, reassess goals, and make necessary adjustments to the investment strategy.