To lay the foundation for reaching your financial goals, we go through two processes with you.

1. Understand you and your needs to be able to give you financial advice. We meet with you personally to get to know you and to discuss your goals. The advice we give you takes into account what you want to achieve, the means you have available to do this, your circumstances and the level of risk you feel comfortable with.
2. Draw up a financial plan based on the advice we have given you. The financial plan is like a map indicating how to get to your ideal financial destination. It specifies the types of investments and combination of investments that can help you and your loved ones live the life you want. Depending on your needs, we can combine financial investments, such as equities, money market instruments and cash, with alternative investments such as real estate in one portfolio.

We need to make sure that our products and services work for you because we want to help you make the most of your money in the best possible way. This means tailoring what we do to your needs and helping you take advantage of investment ideas and opportunities. 

We understand that your circumstances and needs change over time. We also know that the dynamics of the market work in different phases. This means that the investments included in your original portfolio may not always be the best and most appropriate solution. To ensure you stay on track with meeting your goals, it is important to review and adapt your financial plan or portfolio on an ongoing basis. That is what our wealth management service is all about. Our service is:

• All-inclusive – we look at and evaluate all your investments
• Comprehensive – we take into account changes in your needs and circumstances, changes in the general economy and market trends
• Centralised – you can put all your investments in an ARM portfolio that we manage on your behalf