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Home Financial Planning

Financial Planning

Financial planning is the art and science of growing your assets at an acceptable risk. This includes minimising taxes such as income tax, estate duty and capital gains tax, choosing the correct investments and covering your risks when it is financially viable.

The "art" involves an understanding of human behaviour with regard to finances and investments. So often, good financial planning helps to instil financial disciplines to compensate for our natural personality shortcomings.

The science is the objective "number crunching" of all the elements such as investments, tax shelters, trusts, insurance policies etc to give each client the greatest chance of achieving financial independence.

The collective experience of partners and specialists within Spectrum gives our clients "the wisdom of hindsight" and helps you to learn and benefit from the historic mistakes of others.