Financial Advice

What is financial advice? What is financial planning? We are asked this quite a lot and the scope of our services are quite broad but in one sentence financial advice is: “Advice to deal with modern life”.

Modern life has three overlays for us; personal change, legislative change and economic change. How these three entwine is where advice is important when planning for your objectives.


Let’s look at a timeline over the last 10 years. A couple aged 50 want to pay off their home loan and retire in 10 years, sounds simple but over this period of time there have been the following changes:







We generally see diverse reasons for change in people’s personal lives, these are some which may have affected our couple:


Financial Advice shows the drip down effect of these three areas to you specifically and the positive and negative implications of change on your goals. There is constant change in our lives and it is your financial advisers job to stay abreast of these changes and change their advice accordingly.