Our Approach

At InvesTech Wealth Management, our approach involves a structured and systematic process that helps individuals, families, and businesses achieve their financial goals, manage their resources, and secure their financial future:

Initial Consultation and Goal Setting:
Initial meeting with you to understand your financial situation, goals, and concerns and establish a clear understanding of the your short-term and long-term objectives.

Data Gathering and Analysis:
Collection of all relevant financial information, including income, expenses, assets, liabilities, and current investments.

We analyse the your financial situation to identify strengths, weaknesses, opportunities, and threats.

Risk Assessment:
We assess your risk tolerance and risk capacity to help determine the level of risk appropriate for the your financial goals and time horizon.

Investment Strategy:
We develop an investment strategy that aligns with your risk tolerance and financial objectives.

We select appropriate investment vehicles and asset allocation.

Insurance Review:
We evaluate your requirement for insurance coverage (life, disability, income protection, trauma cover, etc.) to ensure that you are adequately protected against unforeseen events by recommending necessary adjustments or additional coverage.

Financial Plan Development:
We create a personalized financial plan tailored to your goals and risk profile. We develop strategies to help achieve specific objectives, such as retirement savings, debt reduction, or investment growth.

Tax Planning:
Identifying tax-saving opportunities and strategies.

Optimize the client's tax efficiency by utilising tax-advantaged accounts and other tax-reduction methods.

Estate Planning:
Estate planning documents, such as wills and trusts.

Ensure that your wishes regarding asset distribution are met and minimize estate taxes.

Implementation:
We work with you to execute the financial plan, including opening or adjusting accounts, insurance policies, and investment strategies.

Regular Review and Monitoring:
We periodically review your financial plan to track progress and adjust the plan as needed due to changing goals or life events.

Education and Communication:
We provide financial education to help clients make informed decisions by maintaining open and transparent communication and keeping you informed of any significant changes or opportunities.

Behavioural Coaching:
We assist you to stay disciplined and avoid emotional decision-making during market fluctuations or financial crises by encouraging adherence to the long-term financial plan.

Continual Assessment and Adjustments:
Continually assess your evolving financial situation and make adjustments to the plan as needed.

We ensure that the financial plan remains aligned with your life stages and changing circumstances.