Address
304 North Cardinal St.
Dorchester Center, MA 02124

Work Hours
Monday to Friday: 7AM - 7PM
Weekend: 10AM - 5PM

Your personal financial adviser in your pocket

Standardised inputs, personalised outputs

Introduction

This system is intended to support those 95% of asset-owning / salary-earning individuals that do not require specialised advice. It answers the questions:

  1. What do I need to do to achieve specific goals? 
  2. How am I doing? Where should I be? Where are my gaps and how can I close them? 
  3. How should I invest or insure my assets? Provides advice on fund selection & insurance needs i.e. implicit professional input. 
  4. What should I do? Provides an action plan to achieve targeted goals or nearest optimal solution. 

Key features

The system is personalised to each client; hence, there is a base set of information required to initiate the financial analyses that can be input under “my profile”. This information, and its effective date, is stored for future use but should be updated as necessary.

We have built the application to be both objective and interactive. At every step, there are help menus, input descriptions and input demos to help the client on their journey.

The main system comprises 7 elements, represented by the hexagons, and colour-coded into 3 levels of access as follows:

Standard

These components provide the client with access to:

  1. Summarised, interactive representations on market and fund group behaviours 
  2. Create a stored personal profile for use in financial analysis including professionally determined defaults
  3. 16 standalone smart tools that promote understanding within retirement, lifestyle, wealth creation and supporting decisions 
  4. Links to curated commentaries on the economy and markets
  5. Lifestyle, readings and investment tips from acknowledged experts 

Premium

These components allow the client to detail their financial journey on a monthly basis 

  1. We provide for detailed inputs on 13 elements across income and expenditure, asset ownership (financial and physical), debt and wealth situations. These elements are both current and forward-looking e.g. demonstrating the accumulation of funds and their projected disbursement in retirement
  2. Each element works interactively to provide the client with projections of circumstances on a monthly basis over a full life-span.
  3. Inputs are detailed and will take time for accuracy; but once in place, the system will maintain the representations, and will provide immediate access to the full suite of projections
  4. We additionally provide a “financial security scorecard” across
    1. 6 measures of life event preparedness (death, disability, retirement, loss of income, medical emergency & divorce) 
    2. 4 measures of lifestyle reasonability (wealth creation, asset evaluation, affordability, asset preservation) 
    3. A weighted score yields an overall positioning statement 

Advice

These components allow the client to

  1. Select the most appropriate investment and/or insurance product for their needs, goals and risk profile – note that every product can be selected independently for each set of inputs 
  2. Check the efficacy of an investment selection by allowing the client to perform independent back-tests against standard market metrics; this provides insights into whether a selection was historically appropriate
  3. Use our expert default expectations to estimate the future path of an investment product
  4. Run our AI-driven algorithmic analysis to provide an action plan to:
    1. Recommend financial products in keeping with client goals
    2. Recommend actions to improve the financial security score
    3. Provide trade-offs on current consumption vs future consumption activities

Costings

Each client is stored as a unique individual under their own identification number; hence, only one set of information may be stored per client
We provide for a variety of costs as follows:

  1. Below the age of 23 – free access to all the Standard components
  2. Above the age of 23 – first month free, thereafter by debit order
    1. Standard components : R10 pm or R100 p.a.
    2. Premium components : R50 pm or R500 p.a.
    3. Advise components : R150 pm or R1500 p.a.
  3. Prices will escalate in line with inflation at the commencement of every year

Discussion and interpretation

We acknowledge that the understanding of financial outcomes and recommendations can be challenging. Consequently, we provide a set of links to an approved set of professionals with whom you may wish to engage.

Please note that all such engagements are for your own account