A popular myth is that estate planning is only for the rich among us. However, any one who has property and wishes for a future generation will need estate planning.
The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.
Investing requires the trade-off of present income (consumption) for future income (consumption).
Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.
Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.
There are three ways to manage money: Market timing, security selection, and asset allocation. The first two, in our view, involve too much luck and risk.
You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.
Your broker works for you – not for the insurance company.
Diversification is the process of helping reduce risk by investing in several different types of individual funds or securities and works hand in hand with asset allocation.
Estate planning can have a lasting impact on your family – though not as much as not doing it.
Everyone needs a financial plan for their life, from those with ten dollars to those with ten million. Life takes money – whether you plan or not.
Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.
Maintaining your quality of life after the diagnosis of a critical illness and dealing with financial commitments can cause hardship for you and your families. Critical illness insurance can protect your family's future.
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.
"In organizations, real power and energy is generated through relationships. The patterns of relationships and the capacities to form them are more important than tasks, functions, roles, and positions." M Wheatly
Long-term Relationships are our source of value.
Some say people buy from people they like. We believe that you will buy from someone you trust, where trust is built on competence, capability and credibility. And often you come to like those you can trust.
We recognise that our business is about creating, nurturing and sustaining relationships. And that relationships that last are based on trust. Not only because of some innate desire of ours to be good, but because this increases the speed with which business can be done and reduces the cost of doing business - it makes good business sense. For you this means that we will listen first to you, seeking to understand your needs and always treat our relationship with you as the ultimate source of value – and not as the next sale.
You will recognise that we are in this with you, for the long haul, so you know that you and your business will be treated with respect.
