A structured process. Documented decisions. Ongoing review.

Outcomes first — we clarify what matters, and what doesn’t

Baseline and gap map — where you are now vs where you are heading

Strategy: what not to do — remove distractions and reduce avoidable mistakes

Implementation with cadence — decisive, but not rushed

Review and decision history — so progress is trackable and decisions stay clear over time

How I work

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The Process

Step 1 — Outcomes first

We start with you.

How you live, what you value, how you run your family life, and what you are trying to build.

I use a structured process to surface your real outcomes. Your goals.

What this includes

  • priorities and constraints (time, family responsibilities, real-life risk tolerance)

  • what “enough” looks like for you

  • the decisions you are avoiding or delaying

Step 2 — Baseline and gap map

I review your current position: cashflow, assets, liabilities, protection, current portfolio structure, and key constraints.

You will see clearly: where you are → where you are heading → what needs to change.

Step 3 — Strategy: What not to do

We build a personal strategy that is realistic and practical.

This is where we remove false options, cut out noise, and stop “good-sounding” moves that create hidden problems later.

This usually covers

  • retirement planning and how you will draw income later

  • asset allocation and concentration risk

  • property vs investing decisions

  • insurance structure (protect what matters, avoid clutter)

  • estate / trust direction and coordination

Step 4 — Implementation with cadence

We implement what matters now, while staying aligned to the longer-term plan.

We do not rush decisions. We move at a pace that fits your temperament and schedule, without losing momentum.

Where needed, I coordinate with specialists (lawyers, tax, trustees, private banks). You still have one person steering the overall plan.

Step 5 — Review, documentation, and decision history

Planning is not a one-off exercise. It needs upkeep.

Your plan, action items, and decision reasons are documented so you can track progress and revisit decisions clearly years later.

For family or business matters, we take the time needed and handle it carefully.