You may need one-off advice on a topic
such as retirement, or a comprehensive plan for your life and overall finances with ongoing support. We use the global market leading lifetime cash flow software to deliver a comprehensive personal
What is a Fee-only
Non-intermediating Personal Financial Planner?
A fee-only non-intermediating personal
financial planner is a highly trained professional who is committed to working in the best interests of their clients. We serve our clients without muddling the financial planning relationship with retail financial intermediation. We operate to high standards in the
field of financial planning. We undertake a fiduciary oath and observe a code of ethics.
What we do not
Offer financial service products,
such as funds, pensions, or bonds.
Undertake financial services
Offer or carry out 'regulated
activities' (activities specified by the Regulated Activities Order 2001).
Provide financial services,
investments, or consumer credit.
Offer loans, car financing deals or
We are not a bank, credit union,
insurance firm, consumer credit firm, investment firm, benchmark administrator, payment service or e-money firm, or an "automated" advice and guidance model provider.
“I shall plan my client before planning my
client’s personal finances. I shall not conduct any financial intermediation. I shall exercise my best efforts to act in good faith and in the best interests of my client. I shall provide written
disclosure to my client prior to my engagement, and thereafter throughout the term of the engagement, of any conflicts of interest, which will or reasonably may compromise my impartiality or
independence. I, or any party in which I have a financial interest, do not receive any compensation or other remuneration that is contingent on my client’s purchase or sale of a financial product. I
do not receive a fee or other compensation from another party based on the referral of a client or the client's business."
Following the Fiduciary Oath means we
- Always act in good faith and with honesty.
- Be proactive in disclosing any conflicts of interest that may impact a
- Not accept any referral fees or compensation contingent upon the purchase
or sale of a financial product.
Our Code of
- Objectivity: We strive to be as
unbiased as possible in providing general advice and financial education to our clients, and we practice on a Fee-Only basis.
- Confidentiality: We shall keep
all client data private unless authorisation is received from the client to share it. We shall treat all documents with care and take care when disposing of them. Relations with clients shall be kept
- Competence: We shall strive to
maintain a high level of knowledge and ability. We shall attain continuing education. We shall not provide advice in areas where we are not capable.
- Fairness & Suitability:
Dealings and recommendation with clients will always be in the client’s best interests. We put our clients first.
- Integrity & Honesty: We will
endeavour to always take the high road and to be ever mindful of the potential for misunderstanding that can accrue in normal human interactions. We will be diligent to keep actions and reactions so
far above-board that a thinking client or other professional would not doubt our intentions. In all actions, we are mindful that in addition to serving our clients, we are about the business of
building a non-intermediating financial planning profession, and our actions reflect this.
- Regulatory Compliance: We will
strive to maintain conformity with legal regulations.
- Full Disclosure: We shall fully
describe our method of compensation and potential conflicts of interest to clients.
- Professionalism: We shall always
conduct ourselves in a professional way. This involves integrity, honest treatment of clients, and treating people with respect.
It is all part of our
To provide fee-only non-intermediating
personal financial plans for our clients.
We live by three important
- To be the beacon for independent, objective financial planning for
individuals and families.
- To be the champion of financial services delivered in the public
- To be the standard bearer for the emerging profession of
non-intermediating financial planning.
We meet the following standards and
continue to abide by such standards:
1. Fee-Only financial
We are compensated solely by the client
with neither ourselves nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. We do not receive commissions, rebates, awards, finder’s fees,
bonuses or other forms of compensation from others as a result of a client’s implementation of our planning recommendations.
2. Prohibition of certain ownership
interests and employment relationships
We, or a party related to us, do not own
any interest in or are employed by a financial services industry firm that receives commissions, rebates, awards or any form of compensation that is contingent on the purchase or sale of a financial
3. Compliance with industry
We agree to comply with all statutes,
rules, regulations, administrative and judicial rulings, and other authorities applicable to the provision of financial planning or advisory related services.
4. Prompt notification of certain
disciplinary and legal events.
We have a continuing obligation to inform
our clients, in a prompt manner and in writing, of significant disciplinary and legal events. These events include, but are not limited to, the following:
Any disciplinary inquiry or proceeding
initiated by any civil or criminal authority or regulatory body, including any inquiry, or proceeding relating to the firm with which we are associated.
Any disciplinary inquiry or proceeding
initiated by a credentialing or membership organisation or authority to which we are subject; and
Any bankruptcy, receivership, or other
type of assignment or arrangement for the benefit or protection of our creditors or in relation to any entity in which we hold an interest of 5% or more.
"Related party" means a business colleague
or family member with whom we share income or economic benefits. A related party may include, but is not limited to, a business partner or an officer or Director of our business, or a spouse, parent,
dependent minor child, an adult child still residing in the home, or other dependent.
"Financial services industry firm"
includes any entity or individual that offers any type of financial service, e.g., securities broker or dealer, investment adviser, asset manager, investment company, banking institution, savings
institution, trust company, mortgage bank, credit union, savings and loan association, insurance broker or dealer or agent, real estate broker or agent, commodities broker or dealer or