As the word suggests this differs from person to person. A Personal Financial Plan cannot be a one-size-fits-all solution. Instead, it needs to be tailor-made to suit each individual person’s circumstances.

It is about objective, measurable advice that should result in a plan to manage their current and future financial needs and goals.

As part of this process we help clients to identify and manage the financial risks and obligations that they might face. These include:

1. Dying “too soon” and leaving debt and/or dependants who need to be taken care of.
2. Living “too long” and running short of money.
3. Suffering a disability (for short or extended periods).
4. Building up funds for emergencies.
5. Avoiding or paying off debt.
6. Minimising tax.
7. Thinking long term, with savings and investments.
8. Asset Allocation. Asset Allocation involves dividing an investment portfolio amongst different asset categories, such as shares, bonds and cash. The process of determining which mix of assets to hold in a portfolio is a very personal one.

Financial Planning needs to be holistic. It cannot be done in isolation, because it has an effect on all areas of the client’s life. It is also about simplifying unnecessarily complex products that can sometimes appear to have been designed to avoid revealing the real costs and risks involved.

We recommend that our clients review their financial plans on a regular basis. This should be done annually, and every time there is a significant life-changing event, such as a birth, marriage, divorce, retirement, and the purchase or sale of a property.

Personal Wealth Managers was established in 2000 as a financial planning practice.

Over the years, the business has become well respected in the financial services industry.

• To provide our clients with the best financial planning and investment management advice and services available.
• To be recognised as professionals and to set a standard of excellence in our profession, reflecting the importance of our work

• We believe that everyone should have a financial plan. Our approach is to help people understand and deal with their hopes and fears about their future financial needs.
• We try to make this process uncomplicated and easy to understand for our clients.
• All financial plans need adjusting at every stage of an individual’s life. We guide and assist our clients to manage this.

We follow a careful due-diligence process by gathering information from our clients so that we can align our advice to their specific needs.

We offer the following services:

1. Comprehensive Personal Financial Planning
2. Retirement Planning
3. Tax Planning
4. Estate Planning
5. Children’s Education Planning
6. Post Retirement Planning
7. Local Investments
8. Offshore Investments
9. Risk Planning – Life Assurance, Critical Illness, and Income Protection
10. Assistance with Budgeting
11. Wills.