15 Years of Experience, No Product Selling and Fixed – Fee Financial Planning Service

The primary source of my revenue is derived solely from the fees I charge my clients for the services I provide. I do not involve myself in product sales, therefore, I do not receive any form of compensation or commissions from the products I recommend. Life, as well as the investment world, is filled with uncertainty. Therefore, a well-structured financial plan must be able to sustain such unpredictability. In the investments, we only have control over two aspects: the amount we invest and how long we hold. Returns or outcomes, however, lie beyond our control. Unfortunately, many of us have a misguided belief that we can influence returns, when in reality, predicting future outcomes is impossible. Our best course of action is to prepare for the worst while hoping for the best. As a financial planner, my responsibility is to guide clients towards adopting simple, proven principles and processes. By adhering to these strategies, investors can strive to achieve their goals while minimizing the occurrence of investment mistakes. I firmly believe that financial planning involves preparing for unforeseen circumstances and achieving our financial objectives securely, rather than relying on predicting favourable outcomes. I have a strong belief in empowering my clients to take charge of their own financial management. Therefore, I emphasize a Do It Yourself approach to financial planning instead of keeping them as my clients indefinitely.