Keystone Wealth’s Financial Planning Solution (FPS) Print E-mail
An end-to-end financial planning solution – a lifetime service to achieve your chosen lifestyle
There are few certainties in the world of investment, but here is one: the actions an investor takes today, determines the lifestyle they lead tomorrow.
KEYSTONE WEALTH starts with your lifestyle objectives and asks:
• What will it take to achieve your lifestyle and financial goals
• How much money should you be investing regularly, to ensure that your lifestyle tomorrow matches your expectations today
Working with you to meet your goals
To secure your preferred future lifestyle you will need patience, planning and above all the right process for achieving your goal. If you follow a systematic process of managing your finances, you will greatly increase your chances of accumulating sufficient wealth to enable you to enjoy your preferred lifestyle in the future.
In our experience there are three parts to any sound financial planning process:
• the right advice
• a systematic investment approach
• a reliable reporting system
The critical role we play in this process is to provide you with a plan that sets quantifiable financial goals and targets, which are designed to reliably deliver your preferred future lifestyle.
What is unique about KEYSTONE WEALTH is our philosophy
KEYSTONE WEALTH believes that the purpose of investment is to help investors achieve the life they want to live. Building personal wealth takes patience and planning. But these alone are not enough. Building wealth takes process, a process that delivers reliable investment results over time that can be measured against the targets of each investor.
KEYSTONE WEALTH’s lifestyle financial planning with its unique inflation plus approach to investment provides you with such a process.
Approach
KEYSTONE WEALTH’s lifestyle financial planning links your investment strategy to your particular lifestyle goals, rather than to a risk profile.
The traditional approach to financial planning begins with assessing risk, which determines the mix of assets, which in turn determines the potential return that can be achieved. The return then dictates the lifestyle you live. So a risk profile determines your lifestyle, not your goals. This approach is fundamentally flawed. It gives you what you think you want and not necessarily what you need.
Traditional appraoch
Traditional approach: fundamentally flawed, giving clients what they want
KEYSTONE WEALTH’s lifestyle financial planning is an improved way of planning to achieve your long-term goals reliably. The key focus is on the return needed to achieve your goals. Why should two investors, each with the same assets and risk profiles, but totally different objectives, be given the same investment strategy?
KEYSTONE WEALTH’s lifestyle financial planning approach starts and ends with you, the investor and your desired lifestyle, ensuring the achievement of your goals.
Firstly, together with us, you determine your lifestyle goals. Secondly, you need to determine what return you need from your savings to fund your desired lifestyle. However grand or modest the preferred lifestyle is, will determine the rate of return needed to pay for it. This, in turn, determines the asset exposure that needs to be taken.
Risk is the final factor in the equation and you, the investor need to be comfortable with the risks associated with the underlying investments. If you believe the risk is too high, we will help you find an acceptable trade-off between your lifestyle plan and an investment strategy that allows you to sleep at night. This trade-off analysis is a continuous process that requires a close, ongoing working relationship between you and us.