One plan, in writing, that actually accounts for your life.
We build a single consolidated plan covering income tax, retirement provision, investment structure and estate exposure — reviewed with you line by line before anything is implemented.
What's included
Every personal plan includes the following, regardless of complexity:
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Full income and expense audit
A clear picture of where money actually moves each month, not just the budget you intended to keep.
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Tax position review
Identification of legitimate deductions, retirement annuity contributions and provisional tax exposure.
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Retirement funding projection
A year-by-year model showing whether your current contributions meet your target retirement income.
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Investment structure recommendation
How your existing policies, RAs and unit trusts should be consolidated or restructured, with reasons for each change.
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Estate and beneficiary check
Confirmation that your nominated beneficiaries, will and buy-and-sell arrangements are current and correctly structured.
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Written summary and action list
A single document you keep, with every recommendation dated and explained in plain language.
How it works
Discovery call
A 20-minute conversation to understand your situation and confirm we're the right fit — no cost, no obligation.
Data gathering
You send through statements, policies and payslips via a secure portal; we do the reading.
Plan presentation
We walk you through the written plan in person or by video call, and answer every question before you sign off.
Implementation & review
We action agreed changes with your existing providers and schedule the next review, typically 12 months out.
Common questions
Ready to see your numbers laid out clearly?
Book a free 20-minute call and we'll tell you honestly whether a full plan makes sense for you.