Planning starts with understanding.
Good planning begins with understanding: what is changing, what feels uncertain, and what the decision needs to accomplish.
Our role is not to decide for you, but to help you see the decision clearly — at the moments that matter most.
This matters most when wealth spans more than one country — where a decision in one jurisdiction quietly changes the picture in another, and few advisors see the whole board.
First, one question: do you actually need us?
The first thing an introductory conversation has to answer is whether, given your situation, the planning fee is worth paying at all.
Many questions can be resolved with free tools and articles. When that's the case, we'll tell you directly — and point you to a concrete place to start.
The families who genuinely benefit from comprehensive planning are usually those whose affairs have started to interlock: assets in more than one country, a residency or tax status in transition, a corporation in the family, compensation that isn't simple — RSUs, options — or two generations' arrangements that need to be considered together.
Not needing paid planning today doesn't mean never. We'll tell you which changes, if they arrive, are worth coming back for.
A thoughtful process
We don't rush. Good decisions require time, context, and clarity—not urgency.
Understand the Decision Context
What are you trying to figure out? What feels uncertain? We start by listening. This conversation helps us understand whether planning makes sense for you right now, and whether we're the right fit.
About 30 minutes
Some clients realize they don't need comprehensive planning—just clarity on a specific question. That's fine.
Design the Financial Structure
If planning makes sense, we analyze your situation and design an integrated structure — bringing cash flow, retirement withdrawals, tax, estate, and risk together as one system, and modelling how today's choices play out over decades, across more than one jurisdiction. This isn't generic advice; it's built for your specific circumstances.
Timeframe depends on complexity
Gathering documents takes about three to four hours of your time — and you won't do it alone: part of it happens in a guided working session where we go through your accounts together. The first thing you get back is a complete family balance sheet — for many families, the first full picture they've ever seen. After that, the analysis runs on our side.
Support Implementation (When Appropriate)
Some clients implement on their own. Others want help coordinating with accountants, lawyers, or investment providers. We support whichever approach makes sense for you.
Optional
Ongoing work happens only where there's ongoing need.
Ongoing Support at Key Moments
Financial plans aren't static. Life changes — job transitions, inheritances, market shifts. When those moments arrive, we can return to the plan together, if needed, and rethink the next step.
Only when it makes sense
We value timing over frequency.
What makes this different
Planning and implementation are engaged separately and billed separately. Within a planning engagement we charge only the agreed planning fee — no products sold, no commissions earned. Lucinda is personally licensed for life insurance; if you later choose to implement insurance through us, the coordination fee and any insurer-paid commission are set out in writing before anything begins — and neither offsets the other. Full details are on the Services & Fees page.