The Druthers approach

Facts and figures are important, but what’s more important is to understand what you want out of your life, your aspirations and your ambitions. It’s about unravelling what gives you the most joy so you can live the best possible life of your choosing. At the end of this step, we’ll understand what motivates you, what makes you tick, and your short, medium and long-term ambitions.

Through lifetime cashflow modelling, we’ll show you the trajectory of your life and how much it costs to achieve it. Using your assets, you can visualise the extent to which that chosen future life can become a reality. We find that most people don’t dream big enough, but through this approach, you can clearly see that you won’t run out of money or jeopardise your financial future.

This is where we begin to really look at your money. We’ll consider investment solutions, tax, risk, sustainability of income, cashflow – all the traditional aspects you’d expect from financial advice. It’s important to understand that the first two “Ds” are where you derive the most benefit. This “D” is the engine that delivers on the first two stages; it’s not the focal point.

Financial planning can only deliver its full benefit when it’s an ongoing, iterative service. After we have taken you through this process and created your financial plan, you can guarantee it will become out of date on day one because life happens. You may start a new job, have children, or start a business, and that’s ok.

For this reason, we sit down with you once a year and take you through the planning and review process again. If we discover elements have changed, we will tweak our recommendations to ensure you stay on track.