FULLY INFORMED
Thinking about the next chapter
We believe with our help financial planning means you can make fully informed decisions about you, your future and your family.
GOALS BASED
Needs first, wants late
We follow a ‘goals based’ approach which means identifying those ‘need to do’s’ as well as ‘want to do’s’ and setting a strategy to achieve them.
ADAPTIVE
Needs change, so can the plan
Ultimately, you need to have a plan that is robust enough to meet your demands but flexible enough to adapt when necessary.
One of the pillars of our proposition is bringing a sense of empowerment to you, a feeling on having control over money matters. Another cornerstone of our approach is to strive to deliver a highly personalised service to each of our clients.
There are different approaches to offering wealth management services, but perhaps the most progressive, is referred to as ‘goals based planning’ Compared to a more traditional approach, goals based planning we believe brings greater clarity to your affairs, and moreover a greater sense of control. Furthermore, it allows us to zero in on what’s really important to you, and identify strategies to reach those very individual goals you may have.
| Traditional | Goal Based | |
|---|---|---|
Discovering You |
Financial Factors Assets and Liabilities Single’Risk Attitude’ | Financial and behavioural factors Client goals What matter’s most |
Measuring Progress |
Relative to Stock Market: Shorter term focus prevails | Monitoring progress towards established goals |
Managing Risks |
Single Risk tolerance for all investing ‘buckets’ | Risk capacity against each goal Seeks to calculate confidence levels of reaching a given goal Considers shortfall potential |
Allocating Assets |
One overall portfolio | Asset classes or strategies for each individual goal |
As life transitions, your goals, both pressing needs and ideals, will progress with it. Goals based planning provides an ideal framework to put into place a life cycle wealth management process.
In your 20’s and 30’s
We call this ‘foundational planning’ i.e. getting the basics right. We expect that you’ll be focussed on:
In your 30 to 40’s
Matters may have moved on, and your focus perhaps is elsewhere. We think this where you can begin to accumulate assets.
In your 40’s and 50’s
As you and your finances are more established, it’s increasingly important to focus on optimising your personal balance sheet, as your earnings potential is high
In your 50’s to 60’s
At this point, your emphasis or priorities are likely to be retiring planning. Never a ‘goal’ in its own right, but providing for later life is an important matter to consider.
In your 60’s and 70’s
Preserving capital and maximising income streams will be a significant part of your plan.
Mid 70’s and beyond
Preserving capital and maximising income streams will be a significant part of your plan.
From there, we’ll set out to identify the best means of addressing them, whilst having an open conversation about the costs involved in doing so.
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ARIA PRIVATE CLIENTS AND ARIA ARE THE TRADING NAMES OF ABSOLUTE RETURN INVESTMENT ADVISERS (ARIA) LIMITED. OFFICE: BUILDING 2, GROUND FLOOR, GUILDFORD BUSINESS PARK, GUILDFORD, GU2 8XG. ABSOLUTE RETURN INVESTMENT ADVISERS (ARIA) LTD IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. WE PARTICIPATE IN THE FSCS. YOU MAY BE ENTITLED TO COMPENSATION FROM THE FSCS IF WE CANNOT MEET OUR OBLIGATIONS.