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Financial goals Time horizon
Clarify your objectives over different Your adviser will need to understand
time horizons with your adviser and when you intend to start withdrawing over the past year. This is the time to:
explain your short-, medium- and funds and how long you can leave • Review the progress you are making
long-term financial goals. Make the investment untouched, as this towards your goals
sure that you explain any specific will shape your investment approach. • Update your adviser on any changes
milestones or timeframes you’re in your life, income, or family
working towards. Legal and tax considerations circumstances
To create a tax-efficient financial plan, • Make any necessary adjustments to
Investment experience and your adviser will need to know about your plan in response to changing
preferences the countries in which you are a tax conditions or priorities.
Think about the types of investments resident and understand whether
you have previously held and how you plan to relocate or change this These annual reviews help to ensure that
comfortable you felt about each status. Other important aspects in your financial strategy remains relevant
of them. Sharing these insights this category are your marginal tax and responsive, particularly during
will help your adviser understand rate, as well as details of any business periods of life transition, economic
your investment experience and entities, trusts or legal structures change, or personal upheaval.
preferences. involved in your financial affairs.
Make every meeting count
Risk tolerance and investment What to expect in your annual Each and every meeting with your
purpose review: financial adviser – from the initial
Consider the level of risk you are Once your financial plan is in place, you discovery chat and onboarding session
comfortable with and explain will typically meet with your adviser on to your ongoing annual reviews – plays
whether you are investing primarily an annual basis for a review. This annual a role in helping you build and preserve
for capital growth, income generation review is a vital opportunity to check that wealth. By being open, honest and
or capital preservation. This will help everything still aligns with your financial prepared, you can ensure your financial
guide your investment strategy. goals, which may have evolved or shifted strategy remains on track.

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