Financial Planning

Graham Walkers holistic approach to constructing your personal financial plan.

Comprehensive financial planning is the practice of, firstly, considering all areas of your particular individual circumstances and the subsequent development of a game plan to achieve your specific objectives.

The deployment of Graham Walker's disciplined and comprehensive process can integrate your financial goals with your broader life aspirations and significantly improve the probability of achieving them.

Our holistic approach generally takes stock of the following issues: cash flow analysis, investment assessment, tax position, retirement planning, risk evaluation, school-fees planning and legacy planning.

Once your financial information has been collated and our advisers gained an intimate understanding of the nuances therein, youll gain a new level of control and perception of your finances and investments. This will endow you with the ability to build a solid platform upon which to make prudent financial decisions.

Graham Walker employs a Six-Step Process:

  1. Introduction We define the client-adviser relationship What you can expect from us and vice versa
  2. Discovery Collection of pertinent client information
  3. Clarity A sober assessment and evaluation of your financial status and your objectives
  4. Ideas Working together on the development and presentation of recommendations and/or alternatives
  5. Implementation - Implementing the recommendations of the financial planning process
  6. Review & Update - Monitor and update recommendations whenever needed
    Our advisers carefully examine the details of your financial situation

Personal Objectives The clarification, quantification and documentation of your personal and financial goals.

Balance Sheet A business-like statement of your net worth after the measurement of your assets against your liabilities. This will present you with an accurate picture of your financial position as it stands whilst providing a yardstick against which to measure your financial progress in the years going forward..

Cash Flow Statement Examination of your annual income and expenditure with a view to suggesting where improvements can be made which will better reconcile your existing money management practices with your longer-term objectives.

Taxation The estimation of your tax liability for the current year, as well as future years, and make recommendations on steps you can take to minimize it.

Capital Needs Analysis - To set targets for what you need to retire and/or reach other funding goals.

Investment Review An in-depth review of your existing investment portfolio. We review asset allocation and diversification issues and identify any weaknesses in its design and implementation. We determine your risk profile relative to your financial goals.

Legacy Arrangement Planning We respect your desire to ensure family, friends and dependents are taken care of in the event of your death. We ensure the validity and legality of documentation and, where necessary, make recommendations for amendment.