How Our Service Menu Works

Every engagement at Finwise starts with a clear scope. The formats below describe what you can expect from each type of work, how it is delivered, and where it fits in your broader financial plan. None of these are product bundles with fixed prices; each one is scoped after an initial conversation about your situation.

Financial Planning ReviewA structured look at your current cash flow, debt position, insurance coverage, and savings rate. You receive a written summary with priorities ranked by urgency, not a generic checklist. Suitable for households that want a second opinion before making large decisions.
Retirement ProjectionWe model your expected retirement date, contribution levels, and drawdown strategy using conservative assumptions about inflation and market returns. The output is a year-by-year projection with clear sensitivity ranges, so you can see what happens if returns are lower than average.
ETF Portfolio ConstructionA hands-on session where we build a diversified portfolio using low-cost index funds. We discuss asset allocation, rebalancing frequency, and how to handle currency exposure if you hold international ETFs. You leave with a written investment policy statement.
Income Strategy for DrawdownFor clients approaching retirement or already drawing down. We compare systematic withdrawal plans, bond ladders, and dividend-focused approaches. The goal is to find a method that matches your spending needs without forcing you to sell at the worst possible time.
Inflation Protection CheckA focused review of how your portfolio and income sources respond to rising prices. We look at your exposure to real assets, inflation-linked bonds, and wage growth assumptions. You get a practical list of adjustments, not a lecture on macroeconomics.
Education Session for BeginnersA guided walkthrough of the basics: how shares and ETFs work, what fees you are actually paying, and how to read a fund fact sheet. Designed for adults who are new to investing and want to understand the language before committing money.

How Our Advisory Process Works

Every engagement follows the same disciplined path: we start with your current situation, not a product. From the first conversation to the final review, each stage is designed to keep your goals visible and your plan adaptable.

Step 01

Initial Discovery Call

We begin with a 30-minute conversation about your income, expenses, existing investments, and what you want your money to do in the next five, ten, or twenty years. No jargon, no obligation.

Step 02

Financial Health Review

We analyse your cash flow, debt structure, emergency reserves, and current asset allocation. This gives us a clear baseline before we recommend any changes to your portfolio or savings strategy.

Step 03

Personalised Plan Draft

You receive a written plan covering retirement projections, tax-efficient investing, inflation protection, and passive income targets. The draft is yours to keep, whether or not you proceed with us.

Step 04

Implementation Support

We help you execute the plan: setting up brokerage accounts, selecting low-cost ETFs, rebalancing existing holdings, and automating contributions. You stay in control of every decision.

Step 05

Quarterly Portfolio Reviews

Markets move, and so does your life. We meet every quarter to review performance, adjust your asset mix, and make sure your plan still reflects your current priorities and risk tolerance.

Step 06

Annual Strategy Reset

Once a year, we step back and look at the bigger picture: changes in your income, family situation, or long-term goals. This is where we fine-tune your withdrawal strategy and update your projections.

What the service menu covers

A practical breakdown of the formats we offer, from a single portfolio review to a full retirement plan. Each option is built around a specific decision point, not a generic promise.

Portfolio health check

A one-session review of your current holdings, fees, and asset mix. You leave with a clear list of what to keep, what to trim, and what to rebalance.

ETF and index fund selection

We compare expense ratios, tracking error, and liquidity across a shortlist of funds. The result is a concrete buy list matched to your time horizon.

Retirement income plan

A step-by-step plan for turning savings into a monthly income stream. We cover drawdown rates, bond ladders, and when to start Social Security.

Inflation protection strategy

A focused look at TIPS, I-bonds, and real assets. You get a practical allocation that reduces purchasing-power risk without chasing yield.

Passive income structure

We design a dividend and interest schedule that fits your cash flow needs. The focus is on sustainable yield, not high-risk payouts.

Annual rebalancing calendar

A simple, repeatable process for keeping your portfolio on track. You receive a dated checklist and clear rules for when to adjust.

Not sure which format fits? Start with the portfolio health check and we will point you to the right next step. See how we structure the work.

Our Services and How They Work