We have the knowledge and expertise to guide you through the financial planning process, be it Investment Planning, Insurance Planning, Retirement Planning, Estate Planning and/or Trust and Tax Planning.
We analyze your financial priorities, cash flow patterns, net worth, investment objectives and risk tolerance. A master plan for implementation can then be developed, incorporating the necessary strategies, time frame and resources. Whatever your age or situation, this process of Wealth Management, Accumulation and Protection (MAP) will assure your financial success. Our solutions are efficient, cost effective, yet flexible enough to accommodate change.
So if you are
- Investing your funds - Purchasing insurance - Starting a family - Planning for the children's education - Planning for retirement or - Tidying up your estate
We have the right type of products and plan for you.
We believe that investment decisions must be made on a holistic approach. Your investment goals, risk appetite, cash flow situation and understanding of investment principles, all contribute to sound investment plan. Our Asset allocation model select an appropriate portfolio to match the profile of each and every client.
The work, however does not stop after you have chosen your asset mix. Your portfolio reviewed regularly and adjustment made to assure consistency in fund performance. Be assured that when you plan your investment strategy with us, it will be long term, consistent and well diversified.
Investment management is part of our all encompassing of wealth management, accumulation and preservation ( MAP ). The advisory process and our relationship with you begins when we discuss your overall financial concerns.
Involving risk coaching, our meeting will establish your : - Investment Objectives - Time Horizon - Familiarity with Investment - Risk Appetite - Expectation of Return - Liquidity Requirement - Other Unique Circumstances
Personal and Family Financial Planning
Retirement planning How much do I need to maintain the desired life-style during retirement? Do I have enough financial resources to fund my retirement needs? How much do I need to save to achieve my retirement goals?
Education Planning Am I going give my children local or overseas educations? How much is the education cost Can I afford it? How much do I need to save for it?
Estate Planning What will happen to my assets if I die without leaving a will? What will happen to children if both my wife and myself die together? Will my family able to maintain the life-style after my demised ? Do I need a trust?
Risk Management and Insurance Planning What are the risks that I am currently exposed to? How much income would my family need in order to maintain the current life style if I die? Would I have enough financial resources to fund medical treatment if I were diagnosed with cancer or other critical illness?
Investment Planning Can I sleep well when the composite index drop 10 points tomorrow? How long can I hold on to investment? Am I looking for income or capital appreciation from the investment? Where can I find better return for my investment?
Income tax planning Am I paying too much tax unnecessarily? Have I complied with the requirements under the self assessment system? How can I plan my tax affairs legally?
Comprehensive financial planning What are my financial goals? What is the currents status of my financial resources to achieve my financial goals?
Family wealth and business succession planning How I found a suitable successor for my business? How to preserve the family wealth beyond three generations? How to maintain family harmony?
Business Financial Planning
Employee benefits planning Is your company’s employee benefits package attractive enough to recruit, motivate and retain high caliber staff?
Business succession & continuity planning Is your company protected against the loss of a key man?