WHAT I DO
We all want to be free. Free to do what we want, when we want, without having to think about money. Working together we can develop a sense of ease around money so it is something that no longer causes you stress. I translate your desires for freedom into concrete goals and I work, as your compass, to help you distinguish between your stated wants and your real needs. I will support you to bridge the gap between what you’re doing now, and what needs to be done in order to get where you say you want to go.
At the start, it is about saving. Without saving there can be no investment, and without investment there can be no growth. Over time, we will calculate your magic retirement number, your target, the amount of money you need, and when you need it. For almost all of us, we will only reach this target if our money grows. I will have to make assumptions about how quickly your money will grow over that defined time horizon, and we will adjust it over time because the process is fluid. I will use all my analysis tools and market knowledge to build you a diversified portfolio that gives you the best chance of reaching your long-term goals.
What I don’t do is make guesses about short-term market direction or allow short-term price movements to impact your long-term financial plan. I acknowledge that there are things I do not, and cannot, know. I stay focused on the factors that we can control – how much you are saving and investing, what assets you are invested in and what your timeframe is.
Once we have your magic retirement number and time horizon in writing, we have a plan. With a plan we can be confident that you can generate an income in retirement that you cannot outlive and build a legacy of wealth for your children, grandchildren or for your most loved institution.