Counselling Services
- Life Stage
- Financial
- Debt
- Pre-retirement
Financial Counselling
We are finance experts who help clients manage their money more effectively and responsibly. We provide education and guidance on topics relevant to different life-stages households, such as saving, budget and paying off debt, managing credit, and realizing financial goals, such as buying a house.
We thoroughly focus on:
- Gathering client information
- Money management
- Helping clients create action plans
- Developing spending plans
- Managing financial risks
- Credit and debt management
- Educating clients about major purchases
- Discussing investing basics with clients
- Educating clients about retirement
- Estate planning focusing on generational wealth transfer
Life Stage Counselling
At its core, life-stage counselling serves as a personalized compass. It helps you navigate the financial requirements that characterize the different stages of life. Life-stage planning is about knowing where you are—and, crucially, where you’re headed. It helps ensure that you’re financially equipped for each next stage of the journey ahead. Change can come at any time in your life and can take many forms: receiving an inheritance; the arrival of your children or grandchildren; or making the big step into retirement. Whichever situation you find yourself in, it’s important to make the right choices to achieve the best long-term outcomes for everyone.
Here’s how we take you through our planning process so that your new goals and needs are fully addressed financially:
- Step 1: Understanding your situation
- Step 2: Appreciate your financial goal
- Step 3: Offer action plan recommendations
- Step 4: Implement your action plan into action
- Step 5: Continually reviewing the plan
Debt Counselling
Borrowing money from financial organisations is normal for most people. Whether it is to make ends meet during a tough financial period, or it is for a long-standing financial goal, most people will borrow money in their lifetime. But sometimes things do not go as planned and debt begins to get out of control. If you are over-indebted and falling behind with your debt repayments, debt counselling and debt review can protect your assets by arranging a structured, affordable repayment plan for your outstanding debt. A simple process aimed at transitioning you out of debt that is straightforward and effortless, we assist our clients in developing a repayment plan that is affordable and easy to maintain for the remaining repayment period without additional financial strain.
Pre-retirement Counselling
Retirement is not a destination. It is the beginning of a new journey. The best time to plan for retirement is 5 to 10 years before. Available pensions and investments need to be reviewed to make sure that the amount is good for retirement so as to meet the future needs. Pre-retirement counselling is one of the major milestones in the lifetime of a person. It is the time when all the money that a person has saved all his life and plans he/she has set aside have to begin to work.
The session focuses primarily on:
- Defining retirement objectives
- Determine retirement needs
- Take inventory of your Assets
- Eliminate all debt
- Minimize Tax
- Update Estate plan
