Our Approach
We have two key outcomes in mind when working with you
Firstly, how can we ensure that our clients are financially resilient?
By this we mean, how able are you to withstand unexpected events, such as a loss of income, and the need to access assets for emergencies?
For most clients, financial independence is more relevant than the old-fashioned concept of ‘Retirement’. In short, it is the ability to work only if you want to, or to work on areas and for causes that are important to you, rather than because you have to earn a certain salary.
“Perceptive provides the personal touch in financial advice.”
Our relationships with our clients are built on trust.
Trust depends on there being no conflict of interest.
We are completely independent of any fund manager, investment company, or any other service we could advise you to buy, sell or hold.
We regard ourselves as having a Fiduciary Duty to our clients. We subscribe to and endorse all codes of ethics produced by our professional bodies and the regulator.
We are a fee-based practice. This means that the only payment we receive is a fee from you for the work and advice we agree with you.
In the unlikely event of a conflict of interest arising, we would seek to resolve the position in a spirit of openness and to your satisfaction.
Our proud boast is that your unique voice is your security key – if we don’t recognise your voice on the phone, we have too many clients! It’s certainly a bold statement, but it’s important to us. We work closely with our clients to ensure this remains true.
How we do things
Financial Planning
The planning process consists of six steps.
Investment Philosophy
This guides the work that we do with you.
How We Get Paid
We’re independent, so only our clients can pay us.