Strategic Investment and Retirement Planning - Keystone Wealth’s Financial Planning Solution (FPS)

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Keystone Wealth’s Financial Planning Solution (FPS)

An end-to-end financial planning solution - a lifetime service to achieve your chosen lifestyle

There are few certainties in the world of investment, but here is one: the actions an investor takes today, determines the lifestyle they lead tomorrow.

KEYSTONE WEALTH starts with your lifestyle objectives and asks:
•    What will it take to achieve your lifestyle and financial goals
•    How much money should you be investing regularly, to ensure that your lifestyle tomorrow matches your expectations      today

Working with you to meet your goals
To secure your preferred future lifestyle you will need patience, planning and above all the right process for achieving your goal. If you follow a systematic process of managing your finances, you will greatly increase your chances of accumulating sufficient wealth to enable you to enjoy your preferred lifestyle in the future.

In our experience there are three parts to any sound financial planning process:
•    the right advice
•    a systematic investment approach
•    a reliable reporting system

The critical role we play in this process is to provide you with a plan that sets quantifiable financial goals and targets, which are designed to reliably deliver your preferred future lifestyle.

What is unique about KEYSTONE WEALTH is our philosophy
KEYSTONE WEALTH believes that the purpose of investment is to help investors achieve the life they want to live. Building personal wealth takes patience and planning. But these alone are not enough. Building wealth takes process, a process that delivers reliable investment results over time that can be measured against the targets of each investor.

KEYSTONE WEALTH’s lifestyle financial planning with its unique inflation plus approach to investment provides you with such a process.

Approach
KEYSTONE WEALTH’s lifestyle financial planning links your investment strategy to your particular lifestyle goals, rather than to a risk profile.

The traditional approach to financial planning begins with assessing risk, which determines the mix of assets, which in turn determines the potential return that can be achieved. The return then dictates the lifestyle you live. So a risk profile determines your lifestyle, not your goals. This approach is fundamentally flawed. It gives you what you think you want and not necessarily what you need.

Traditional appraoch

Traditional approach: fundamentally flawed, giving clients what they want

KEYSTONE WEALTH’s lifestyle financial planning is an improved way of planning to achieve your long-term goals reliably. The key focus is on the return needed to achieve your goals. Why should two investors, each with the same assets and risk profiles, but totally different objectives, be given the same investment strategy?

KEYSTONE WEALTH’s lifestyle financial planning approach starts and ends with you, the investor and your desired lifestyle, ensuring the achievement of your goals.

Firstly, together with us, you determine your lifestyle goals. Secondly, you need to determine what return you need from your savings to fund your desired lifestyle. However grand or modest the preferred lifestyle is, will determine the rate of return needed to pay for it. This, in turn, determines the asset exposure that needs to be taken.

Risk is the final factor in the equation and you, the investor need to be comfortable with the risks associated with the underlying investments. If you believe the risk is too high, we will help you find an acceptable trade-off between your lifestyle plan and an investment strategy that allows you to sleep at night. This trade-off analysis is a continuous process that requires a close, ongoing working relationship between you and us.

Lifestyle Financial Planning: Provides a correct framework for decision making, giving clients what they need

Focus
Core to lifestyle financial planning is a genuine focus on you, the client, rather than a product. Every investor receives a customised financial plan incorporating your lifetime goals and your current situation.

Most investors shy away from investments that fluctuate in value. Unfortunately this tends to mean that they invest in conservative investments such as cash, which generally produce insufficient returns to fund a desired lifestyle.

Most investors with a medium to long-term horizon would do far better to focus on the return required to achieve their long-term lifestyle goals rather than on the short term volatility of various investments.

The risk to you as an investor is not short to medium term fluctuations in returns; the real risk is not achieving the required return over time to meet your desired lifestyle.

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