Personal Financial Planning and Tailored Advice

Helping you plan your finances to achieve the lifestyle you deserve.

Fairstone offers expert financial planning for individuals, business owners and professionals at all stages of their careers. When it comes to financial planning, our advice is tailored to each client’s personal circumstances, hopes and dreams using the international CFP® certification financial planning process, as established by global Financial Planning Standards.

This ensures we give you insightful, accurate, relevant, professional advice to help you achieve your financial goals. We will build a plan that looks at your present condition, including your income, expenses, assets and liabilities, and where you want to get to.

Your Fairstone financial adviser will make sure that you have the best plan to reach your goals while also continuing to enjoy your current lifestyle. They will help you to make changes and modify your plan as your goals and priorities change with time, making sure your plan stays up-to-date. Your financial plan will be unique, a personal road map, tailored to your own individual circumstances.

Financial planning - your key questions, answered

What is financial planning?

Financial planning is the ongoing process to help you make informed financial decisions whilst committing you to good financial habits. It involves considering and articulating your life goals in the context of your existing position to include your financial assets such as savings, investments, pension assets, debt, income and expenditures. Thereafter reviewing them periodically to ensure you achieve the optimum outcomes and meet your long-term financial goals.

What does a financial plan look like?

A financial plan defines your goals and objectives and is the first step towards making smarter, more informed financial decisions. It estimates the cost of your hopes and dreams in monetary terms and creates an outline strategy to achieve them. We capture these various dimensions in a comprehensive yet clear written plan, providing you with an impartial overview of your financial world and a path to navigate it.

What does financial planning involve?

Financial planning is an ongoing process, which essentially consists of six steps:

Establish your goals in life – short, medium and long term.
Review your current assets, liabilities, income and expenditures.
Evaluate your current financial position in context of achieving your goals.
Develop your plan – a “road map” to attaining your goals.
Implement your plan – act and make it happen.
Monitor and review your plan at least annually, and make adjustments if and when needed to reflect your current situation.

Why do I need a financial plan?

Without a plan, your hopes and dreams may remain a distant aspirations that may never materialise. A plan puts you in control of your destiny, where you can focus on what is most important to you and take action where appropriate

What qualifications do you have?

All members of our team are QFAs. The QFA is a professional designation in financial advice which meets the Central Bank’s Minimum Competency Code (MCC) requirements for advising on life assurance, pensions, loans, savings and investments.

In addition to the QFA qualification, our Advisers hold the CFP® CERTIFIED FINANCIAL PLANNER™ designation which is one of the most recognised certifications in the industry.

Financial planning