Financial planing

We take pride in delivering intelligent financial solutions & bespoke experience to your life.

Speak to an adviser

Determine your current financial situation

Identify and develop financial goals

Create a step-by-step plan to achieve them

Track your progress and make adjustments

Why do you need a financial plan

Roman philosopher Seneca said: «If a man does not know what port he’s steering for, no wind is favourable to him». So to start the journey to your prosperous financial future, you need to have a crystal clear picture what do you where you want to go.

Whilst evidence shows that increasing and maintaining your wealth is one of the most tangible benefits of financial planning, clients benefit in seven key ways:

1. Organisation: Bringing order to your finances
2. Accountability: Following through on financial commitments
3. Objectivity: Rationalising decision-making around emotional subjects
4. Proactivity: Anticipating and preparing clients for eventualities
5. Education: Access to valuable experience, qualifications and resources
6. Partnership: Someone to listen to, understand and collaborate with
7. Time: Some people would rather prioritise utilising their time in other areas like family, hobbies or work

The task of financial planning is to structure and prioritise your capital in such a way that will let you achieve significantly greater results with your current income.
By developing a financial plan, you can diagnose and eliminate future financial difficulties that cannot be predicted otherwise, for example, the lack of money for retirement.

The financial plan is created in several stages: data collection, diagnostics, strategy choice and financial decisions, etc.

It is important to analyse your current financial position, your income and expenditure, your commitments and cash flow,  family needs and expectations. This analysis is the basis of the information needed to create a plan which will guide you through your financial journey.

As it’s a life journey the work on the implementation of the plan never stops. A professionally drawn up financial plan is the only way to find the ideal tools for the capital generation and management that are ideal for a particular person: whether it be stock market products, international life and/or health insurance, the formation of retirement capital, opening cash accounts & deposits, etc.

Only by setting up a personal financial plan, you can objectively answer the question – where exactly should I invest money right now in order to be sure of the effectiveness of your actions.
The detailed plan will help you cut losses, secure gains, and avoid the pain & panic of financial or lifetime crises.

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    Frequently Asked Questions

    How to start creating a Personal Financial Plan?

    1. Start by setting financial goals.
    2. Answer questions like:
      – What do I want?  – Where am I now?  – What is right for me?  – How to make it?
    3. See where your money goes, put expenditure under control by using a 50/30/20 proportion.
    4. Secure your family & finances and cover your lifetime risks.
    5. Get rid of or reduce toxic debts (payday loans, credit card balances, high mortgage payments).
    6. Choose the investment strategy that suits you and be aware of it, stay alert!

    How much money would I need to start investing with you?

    Anyone can contact us to create their personal financial plan and with the help of our consultants will receive further recommendations. However, we believe that, in principle, it is worth working with an Independent Financial Advisor only when certain financial well-being is achieved – only then you will receive the most out of the cooperation.

    We recommend contacting a financial adviser if:

    • Your personal annual income is above $25,000 p.a.
    • Your monthly income exceeds your monthly expenses by $1,000 or more.
    • The total assets amount is above $50,000.

    In other cases: if you have a high credit load, income is equal to expenses or your income is quite low –  we are ready to work with you and generate with you a personal financial plan and give recommendations on how to correct the situation.

    In these circumstances, you should consider other areas of work: increasing income (additional education, job change, career growth), reducing costs and reducing the credit burden.

    Despite the democratic entry thresholds, we can offer the best solutions for the following category of clients:

    • Amount to invest from $100,000
    • Ability to invest on the regular basis from $500 per month


    Why do I need to take an advice?

    While money is an important part of financial freedom, nevertheless it’s only a vehicle to pursue living your best life. Knowing this distinction can help you build wealth in a way that frees up your time so you can be truly wealthy.
    If you are seeking investment assistance, an Independent Financial Advisor may help you get the most out of your money. If you are approaching retirement or have recently retired, they can take you through all of your available options. Estate planning and long-term care needs can be discussed and your options considered by a professional. What amount of life cover you may or may not need, whilst also giving you the benefit of considering other options that you may not have thought of before.

    How much will it cost?

    When it comes to fees and charges, you need to be absolutely confident you are getting excellent value for money. We offer all new clients an initial meeting which is at our expense and without any obligation.

    This can take place at our offices, online, at your home or in another convenient location.

    Following this first meeting, we will write to you with a personalised engagement letter that confirms the services we can provide and the exact cost of these services. For example, the cost for Personal Financial Plan is determined by the complexity of your goals and the time consumption needed for the consultant and the client to develop and agree on a strategy.

    To choose the right option for you, please contact us at +41 44 308 3525 and our specialists will tell you which Personal Financial Plan option is optimal for you.

    Is it too expensive?

    The fees for working with your financial adviser to create and monitor your plan are likely to be small compared to the loss of the opportunity cost of not managing your money in an effective, long-term manner. Managing your money is much like managing a business, and financial planning is a small investment with tremendous potential to help you achieve your goals.

    For more specific information, please contact us by email or phone.

    Will there be a consultation agreement?

    A contract will be signed and printed on behalf of the company which outlines the company services to you.


    What will happen during a consultation and how can I choose the right format?

    The consultation begins with examining your financial situation, determining the financial goals and analysing resources available for you that will allow you to achieve these goals.

    In the process of consultation, by using special software your Personal Financial Plan is accomplished.

    It will allow you to see a clear financial picture of your life and understand how realistic the goals that you have set for yourself are and what are the necessary steps that need to be taken to achieve them.

    Later on, you will be provided with a ready-made financial plan and recommendations for those financial decisions that will allow you to implement it into your life. All your questions will also be answered and, if needed, we will seek expert advice on your behalf.

    In order to choose a format, call: +41 44 308 3525

    Can I make the Personal Financial Plan myself?

    There are many books and online resources that will help you get started with financial planning. However, most use a one-size-fits-all approach that does not customize its process for your unique needs. You are not able to test models against risks or make any changes based on your situation. Your professional financial adviser has received specialized training and has the tools to prepare an individualized plan that maps your financial future. In addition, a professional financial adviser can guide you through implementing your plan, provide advice on revisions, when necessary, and help you monitor your progress toward making your goals a reality.

    If I wish to do it myself what books would you recommend me to start with?

    If you have the dedication to learning how to plan on your own, there are a few good resources out there that can help. Here are a few of our favourite personal finance books to help you get started:

    • The richest man in Babylon, George S. Clason
    • The Intelligent Investor, Benjamin Graham
    • The Road To Financial Freedom, Bodo Schäfer
    • Rich Dad Poor Dad, Robert Kiyosaki
    • Never Eat Alone, Keit Feratzi
    • The Essays of Warren Buffett: Lessons for Investors and Managers
    • The Black Swan, Nassim Taleb

    When is it too late to start planning?

    The real “too late” is the moment you entered the retirement age without any savings and capital being built up. It will be impossible to plan in respect of lacking time and money. But if you still are in an active earning period or have some assets in place – then financial planning is for you. Whether you are just beginning the accumulation phase of your career or have already gathered a substantial nest egg, financial planning is valuable. In fact, pre-retirees and those in retirement often find themselves struggling to protect their wealth, and having a plan in place, especially during uncertain economic times, can be comforting and rewarding.

    What your Financial Plan should Include

    The key to creating a successful financial plan is ensuring that it covers your current and future financial needs. The best way to determine your particular needs is by spending time with your financial adviser considering your options, defining your goals and evaluating your resources. The following are some common areas to consider when planning your financial future:


    Monthly Budget

    Addressing your monthly budget is an important first step in successfully managing your overall finances. Failing to have a clear picture of your regular recurring bills and expenses can dramatically reduce your ability to meet your financial objectives.



    Fundamental to building a secure, manageable future is saving for the unexpected as well as the expected. Saving is easier if you “pay yourself first” and build in automatic savings into your budget.


    Risk Management

    Risk can take many forms: illness, accident, liability and natural disasters, to name a few. Failing to manage risk properly can jeopardize your financial future. That’s why smart financial planning evaluates the various levels and types of insurance you carry to make sure they are aligned with your overall goals and needs. In many cases, insurance can also be used effectively as an alternative revenue stream and a hedge against inflation and riskier types of investments.


    Education Funding

    The costs of education for children and grandchildren can be staggering and are seemingly always on the rise. Education is often one of the largest expenses you will incur. Arm yourself with current information about the variety of proactive education savings vehicles that can help you reach your funding goals while avoiding big surprises or long-term debt.


    Retirement Planning

    Social Security benefits, employer-sponsored plans and personal retirement savings, including investments, IRAs and annuities, typically combine to comprise the retirement income for most Americans. Deciding which retirement choices will serve you best can be daunting, but your financial professional can guide you to the options that will support and enhance your overall investment and tax strategies.


    Estate Planning

    Your legacy is in your hands. Only through diligent monitoring can you be assured that your assets will be transferred effectively and according to your wishes to the people and charities you care about most. Establishing trusts, regularly reviewing your legal documents and beneficiary designations, and examining the tax implications for survivors are vital to establishing a plan that provides you and your loved ones with greater confidence and security.


    Get Started

    Let your adviser know that you want the benefits of financial planning for you and your loved ones and schedule an appointment to begin the process.


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