The aim of financial planning is helping our clients to achieve their financial goals in their different life stages. 

Maybe you have thought of when to buy a car, and what kind of car;

Maybe you have thought of when to buy your home, and how big of a home to buy

Maybe you are thinking of when to get married, to have kids,and how to give them the best education;

Maybe you have thought of retiring at the age of 55, and what your retirement life style will be ……

Maybe you are lucky, because you have good health, a happy family, a successful career and sufficient income. You know your future will be good, but what is your future like?

Maybe you are busy, you can manage your company finances professionally, but do you rememberthe last time you checked your family income and expenditure, investment return, discussed your future financial arrangement with your family? A week ago, last month, or ……

Speaking of financial planning, many people think it is an investment vehicle to maximize personal assets through “make money by money”. Investment is inevitably an important part of financial planning. However, can investment alone answer all your questions above? Based on every client’s unique financial circumstances, we will help you to clarify and quantify your objectives in every life stages, according to the necessary investment return needed to achieve these objectives, we will help the individual client to establish his investment asset allocation. Through ongoing financial planning service, we will help the client to achieve these objectives and in further, financial freedom. The approach of lifestyle financial planning includes the following steps: 

l Initial advice (free) [click here]

l Collecting and analyzing family financial information [click here]

l Making and explaining financial planning advice [click here]

l Implementing the financial plan [click here]

On-going advisory service [click here]

Initial advisory service (free) – establishing relationship with clients – collecting and analyzing client’s financial circumstances and needs – clarifying client’s financial objectives, making financial planning advice and finding suitable financial strategies and products – presenting and explaining written financial planning report – implementing the financial plan – on-going financial advisory service

Initial advisory service: You will have a clear understanding of your relationship with your financial planner through initial advisory service, and know exactly the position of your financial planner. We will take this opportunity to answer some of your questions concerning financial investment. If you are willing to provide us with your basic information, we can help you to basically understand how your investment and expending decisions will impact your long-term financial goal. At the same time, we will help you  understand AOW, its services and procedures, and the professional qualifications of your financial advisor.

Collecting and analyzing family financial information: Once you have decided to accept our financial planning service, we will collect your family financial information with you and determine your long-term financial goals. We will help you to establish a model to simulate your living expenses, savings ratio and needed investment return for your different life stages, and discuss with you on how to achieve the needed return through asset allocation, as well as the potential risks under such asset allocation.

Presenting and explaining financial planning report: We will present you with a financial planning advice report, which records and analyzes your current financial information, providing you with attainable financial objectives under foreseeable conditions. This report will make strategic recommendations and provide you with suitable investment options, which may help you to achieve your long-term financial goals.

Implementing the financial plan: We will assist you to implement all kinds of financial strategies, which will help you to reach your long-term financial goal, eg. implementing suitable asset allocation for long-term financial planning needs and detailed investment proposals.

On-going financial advisory service: Your financial planner will meet you at least once a year, giving you an overall analysis and adjustment advice to ensure that you adapt to changes in legislation, investment markets, economic conditions and your personal circumstances.