Services
Financial planning is the process of creating a roadmap for your financial future. It involves analyzing your current financial situation, setting financial goals, and developing a plan to achieve those goals.
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A good financial plan allows you to have financial security, achieve financial independence and an early retirement.
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The range of financial planning services that I provide includes:
Frequently Asked Questions
1. How do you get paid, and what are all the fees involved?
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I don’t charge clients any additional fees for my advice or services.
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For insurance products:
I’m paid a commission by the insurer. This is already built into the premium, so it does not increase what you pay.
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For investment products:
Some products may have fees such as sales charges, advisory fees, fund management fees, or platform fees. These are charged by the product providers or platforms, not added by me.
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All fees are explained clearly upfront, so you know exactly what you’re paying for before making any decision.
2. What are your qualifications?
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I am a licensed financial advisor, and I hold the Certified Financial Planner (CFP®) designation and Certified KASHGROWTH Professional™ (CKP™)​
3. How will you help me meet my financial goals (e.g., retirement, education savings), and what is my risk profile?
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I start by understanding your goals, timeline, and current financial situation.
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From there, I’ll help you prioritise what matters most and create a clear plan to work towards those goals, such as retirement or education funding.
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Your risk profile is assessed through a structured discussion and questionnaire, looking at both your comfort with market ups and downs and your ability to take risk.
This ensures any recommendations are aligned with your goals and your peace of mind.
4. How and how often will we communicate, and how do you track my portfolio's performance?
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We’ll agree on a communication style and frequency that works best for you, whether through meetings, calls, or messages. Most clients review their plans at least once a year, or whenever there are major life changes.
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Your portfolio’s performance is tracked through regular reviews and reports, focusing on progress toward your goals rather than short-term market movements.
5. What happens in a worst-case scenario (e.g., market crash, early withdrawal from a product), and how is my money protected?
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We plan with difficult scenarios in mind, such as market downturns or unexpected cash needs. Your plan is built to manage volatility through appropriate risk levels, diversification, and liquidity planning.
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If you need to exit a product early, I’ll help you understand the implications clearly and explore the best available options. Your money is held with regulated institutions, and product protections depend on the type of solution used. These safeguards are explained upfront so you know what to expect, even in challenging situations.