At HSW Financial Advisers, we follow a six-step process:

1.Help determine and clarify your goals and priorities – having a vision of where you want to be in the medium and long term is the starting point of your wealth plan.

2.Determine a plan to help you meet your goals and focus on your contribution to wealth – having a plan to get to where you want to go is critical. We work with you to make the most of your cash flow to build your wealth.

3.Reduce debt – there are two types of debt: debt that makes you go backwards; and debt that can help your investments grow and help achieve your wealth objectives. We work with you to tidy up bad debt and advise on areas where borrowing to build your wealth might be beneficial.

4.Wealth protection – providing you and your family with options to ensure you don’t lose what you’ve worked hard to build and to safeguard you and your family in the case of an unforeseen incident.

5.Implement the plan – one of the biggest barriers to achieving your goals is not taking appropriate action. We partner with you to ensure your plan is implemented. 

6.Review – your plan will be reviewed to take advantage and to keep abreast of changes in legislation and the economic marketplace, as well as changes in your life circumstances.

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