What we do
From your first investment to your legacy, Fiduciary First Advisory offers end-to-end planning across wealth management, investments, retirement, and estate — coordinated as one coherent strategy, not four separate transactions.
A flat onboarding fee when you join, followed by a fixed quarterly payment — the same for every client, regardless of services or financial stage. Pricing is subject to revision with prior notice.
Fee disclosure →We start by understanding what you're actually working toward — a child's education, an early retirement, a business exit — then build a plan that connects your day-to-day money decisions to that future.
Every recommendation is mapped to a specific goal and timeline — not a generic model portfolio.
A clear view of where your money goes, so saving and investing become deliberate, not accidental.
Structuring investments and withdrawals to legally minimise your tax burden year over year.
Quarterly check-ins to adjust the plan as your income, goals, or life circumstances change.
No guesswork, no chasing trends. We construct diversified portfolios across equity, fixed income, and alternatives, calibrated to how much risk you can genuinely tolerate — not just what you think you want.
A structured assessment of your capacity and willingness to take risk, revisited as life changes.
A deliberate mix across asset classes designed to balance growth with downside protection.
Periodic adjustments to keep your portfolio aligned with your target allocation as markets move.
We earn no commissions from any fund, insurer, or platform — our advice answers only to you.
Retirement planning is really two problems: accumulating enough, and then distributing it sustainably for 25-plus years. We plan for both from day one, so the transition into retirement feels seamless rather than uncertain.
Realistic modelling of how much you'll need, accounting for inflation and lifestyle goals.
Consolidating and optimising retirement accounts so nothing is left underperforming or forgotten.
A sequenced withdrawal plan that manages tax and market risk so your money outlasts you, not the reverse.
Building in buffers for medical costs and the very real possibility of a longer-than-expected retirement.
Estate planning isn't just for the ultra-wealthy — it's for anyone who wants clarity, not chaos, for their family. We coordinate the legal and financial pieces so your wishes are honoured without unnecessary delay or dispute.
Working alongside your legal counsel to structure trusts that match your wishes and tax situation.
Auditing every account and policy to ensure nominations are current and legally sound.
Structuring transfers to reduce friction and tax exposure for the next generation.
Incorporating charitable giving and family values into a legacy plan that reflects who you are.
How we work
No jargon, no pressure — a clear, structured path from your first conversation to a fully implemented plan, with ongoing support at every stage.
A free 30-minute conversation to understand your goals, concerns, and current financial picture — no forms, no pressure, just an open discussion about where you are and where you want to go.
A structured questionnaire to understand your risk appetite and investment horizon. We assess both your capacity to absorb risk and your genuine willingness to tolerate market volatility — because they are not always the same.
We review your income, expenses, assets, and liabilities to understand your current position. This forms the baseline from which every recommendation will be built — not assumptions, your actual numbers.
We help you define short, medium and long-term financial goals in writing — retirement corpus, children's education, business exit, home purchase, or legacy planning — with clear time horizons and target amounts for each.
A written plan aligned to your goals, risk profile, and life stage — covering investment strategy, asset allocation, tax efficiency, insurance gaps, and estate considerations. Delivered in plain language, not financial jargon.
Advice on suitable investment categories consistent with your plan — not specific stock tips or product pitches. Once approved, we coordinate implementation across accounts, paperwork, and platforms so nothing falls through the gaps.
Scheduled reviews of your plan as income, goals, or circumstances change. You get direct access to your adviser — not a call centre — and quarterly check-ins to ensure the plan continues to serve your evolving life.