A comprehensive financial plan
A comprehensive financial plan will be developed specifically for you and will take into account all areas such as Risk, Life, Disability Income Protection, Estate Planning, Tax, Advice, Wills and Trusts.
Of particular concern to you when planning for, entering into or in retirement will be your investment strategy. At Consolidated we will build your investment strategy to suit your particular goals and objectives and not according to a superficial risk profile. Our objective is to achieve your goals reliably and consistently over time.
Traditionally, most planning and investment processes are based on your risk profile. With risk as the starting point, the mix of assets is determined, which in turn determines the potential return that can be achieved. The return then dictates whether or not your objectives are achieved.
The approach above is fundamentally flawed because why should different people, each with the same assets and risk profiles but totally different objectives, be given the same investment strategy? The answer is, they shouldn't.
