GAP ANALYSIS PROCEDURE

Our unique ‘Gap Analysis Procedure’ puts you in control

Everyone has lifestyle and financial goals which are unique to them. It’s why everyone needs a financial plan which is tailored to their individual requirements.

Central to your financial plan will be a set of decisions that are yours alone. One of the most important of those decisions is the trade-off you may need to make in regard to your current and future lifestyle versus your tolerance for investment risk.

This conflict arises when the achievement of your lifestyle goals requires an asset allocation which has investment risk characteristics (i.e. the fluctuating nature of investment returns) which exceed your tolerance for risk.

It is a mis-match which must be rectified.

This is where you are in control. With the help of our ‘Gap Analysis Procedure’ you can choose to either:

• Extend your investment time horizon; or
• Lower your lifestyle goals; or
• Increase the level of your regular savings; or
• Learn more about investment risk so you can adopt a higher risk tolerance profile (which should give you a higher return); or
  A combination of these.

We will work with you to help you reach a compromise which gives you comfort on all fronts. You need to have lifestyle goals which will allow you to enjoy life now and in the future. And you need to employ an asset allocation model which will not cause you undue concern due to fluctuating investment returns.