I have a simple but effective approach consisting of the following:

• Get a thoroughly clear understating of your current financial situation; and 
• Recognize your lifestyle preferences; and
• Grasp your short, medium and long term goals; and
• Understand your views on your estate planning; and
• Assess your risk tolerance. 

All five elements of my assessment are equally vital for an effective and well working financial plan.

Similarly important is a full on-going annual review of the above elements. My approach is free of commission consideration and unbiased.

My 26 years of financial advisory experience distilled, like a fine wine, my approach to financial planning.