Whether you are an established business, new business or someone wanting to ensure your family’s financial security is protected, we can work with you
Personal
We ascertain what you are trying to achieve with regards to lifestyle and financially and take the approach of “tipping your picnic out on the table” to see what you are doing towards achieving these goals. Through financial planning we address how we can smooth the pathway to help your goals become a reality.
Through, what we like to call, a financial health check, we can put the necessary steps in place to ensure the protection of your wealth both now and in the future.
Addressing any unforeseen circumstances using the resources available to you allows us to provide our clients with a custom-made solution to their own financial security and stability.
Insurance should be viewed as a last resort and used only in situations where your own resources are exhausted.
At the end of the day it’s all about numbers. Let’s look at where you are now, where you want to be and get planning.
Here are some of the things you can expect to discuss:
Goals and aspirations
Earning ability
Estate planning - wills/trusts/attorneys
Business governance - shareholders agreements, partnerships and key people
Savings
Debt
Income
Expenses
Businesses
At Coltman we look at the relationships that exist between a business, its owners and families. We understand that if one piece of the puzzle is affected, all invested parties are affected.
Business
John works together with your trusted advisors to ensure an action plan exists and is executed where necessary to provide you and your family financial security.
This info is then shared with the relevant stake holders which could include your Bank Manager, Lawyer, your Trustees etc.
Life is busy. Sometimes we have the best of intentions. We say to ourselves tomorrow I will take stock of where things are at financially; next week I will make a plan for the future. But sometimes tomorrow and next week pass us by in the hustle and bustle that is daily life.
Let us take care of things for you, at Coltman we provide the ‘Second Look’.
Together we will identify what you are trying to achieve in terms of future goals and lifestyle dreams and will oversee how you go about achieving these goals from a financial point of view.
We want to protect what you currently have and keep your future dreams alive.
Lets smooth off potholes on your path to financial security. Together lets make your journey into the future a safer and easier one.