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A Transparent
Process Built for Clarity

Financial planning works best when the process is clear and well understood.

The steps below outline how we work together, from the first conversation through to a completed plan, so you know what to expect, why each step matters, and how decisions are made along the way.

A Transparent
Process Built for Clarity

Financial planning works best when the process is clear and well understood.

The steps below outline how we work together, from the first conversation through to a completed plan, so you know what to expect, why each step matters, and how decisions are made along the way.

How We Work Together

1

Initial Introductory Meeting

A 15–30-minute online call to understand your needs and walk you through what working together may look like. No obligation or pressure. Just an honest conversation to see if there’s a good fit.
2

Defining Your Priorities

If you choose to proceed, we’ll meet again to unpack your financial priorities and identify which service aligns best. This is a strategic session to clarify direction before any planning begins. Meetings are held online for efficiency, though in-person can be arranged in Cape Town.
3

Information Gathering

To do this properly, we gather the information needed to understand your full financial position. This allows us to work with facts rather than assumptions, and ensures every recommendation is grounded in your real circumstances. All information is treated as confidential.
4

Proposal and Pricing

You’ll receive a clear proposal outlining the work to be done and the associated fees. Retirement plans are priced upfront. Investment planning and consultations are billed hourly, based on time and scope. There’s no commitment until you’re comfortable proceeding.
5

Risk Profiling

Together, we assess both your risk tolerance and capacity for risk to ensure any investment strategies reflect your financial position and comfort level.
6

Plan Development

A comprehensive and professionally structured plan is developed based on the agreed objectives and mandate. This plan forms the foundation for all recommendations. A draft is reviewed together and refined before final approval.
7

Final Review and Sign-Off

We confirm the final plan together, ensuring clarity, alignment, and agreement. With sign-off complete, your financial strategy is clearly defined and ready to be put into action.
8

Billing

Once the agreed planning work has been completed and signed off, you’ll receive an invoice for the agreed amount.
9

Implementation

The agreed plan is put into effect. We coordinate and execute each element of the mandate, managing the process end to end and keeping you informed through to completion.
10

Record of Advice

You receive a comprehensive Record of Advice documenting all recommendations and actions. This becomes your reference going forward and is updated as our work continues.
Final Note
This process is designed to ensure you are informed, involved, and comfortable at every stage. Decisions are made together, nothing is rushed, and nothing is implemented without your understanding and agreement.

Securing Financial Futures One Plan at a Time

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