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Our Advisory Process

Financial Planning for Life

We believe that meaningful financial advice begins with a deep understanding of you your goals, your situation, and your preferences. As a Tied Agent of Mega Equity, we follow a structured and compliant process to deliver personalized investment advice and a long-term financial roadmap.


1

Discovery Meeting: Understanding You Fully

In our first meeting, we focus on you. This session is designed to gather all necessary information to ensure any advice we provide is tailored, suitable, and aligned with regulatory requirements.

What we cover:


 Needs & Goals Analysis

  • What are your short- and long-term financial goals?
  • Are you planning for retirement, education, a home, or a business?

 Suitability Assessment (MiFID II Requirement)

  • What is your investment experience and knowledge?
  • How do you feel about investment risk and market fluctuations?
  • What is your investment time horizon?

 Your Financial Situation

  • Income and expenses
  • Assets and liabilities
  • Existing investments, pensions, and insurance
  • Tax status and employment information

We also perform a risk profiling assessment to ensure we recommend only suitable investments aligned with your capacity and tolerance for risk.

2

Your Personalized Financial Plan

Once we understand your complete profile, we create a comprehensive financial plan — your blueprint for long-term success.

Your Plan Includes:

  • Cash flow forecasting
  • Savings and retirement planning
  • Emergency fund guidance
  • Insurance and risk coverage analysis
  • Estate and tax planning strategy (in coordination with professionals)
  • Portfolio Asset Allocation Recommendations

We’ll design a recommended asset allocation strategy that reflects:

  • Your investment goals
  • Your risk profile
  • Your time horizon

This may include exposure across equities, bonds, alternatives, and cash, adjusted for your unique circumstances.


3

Your Investment Policy Statement (IPS)

To bring structure and clarity to your investment journey, we formalize your strategy in a written Investment Policy Statement.

The IPS Details:

  • Your target asset allocation
  • Approved asset classes and instruments
  • Rebalancing guidelines
  • Restrictions (e.g., ethical preferences, ESG)
  • Risk control measures
  • Performance monitoring framework

This document helps ensure consistency and discipline over time.

4

Plan Implementation

Once you’re confident in the plan, we coordinate with Mega Equity to confirm that your account is set up correctly. As a Tied Agent, we do not hold or execute investments this is done through our Cyprus regulated principal partner to ensure full European Union investor protection and regulatory compliance.

All costs, charges, and product disclosures are clearly provided before any action is taken.

5

Ongoing Monitoring & Review

Your plan is dynamic just like your life. We continue to work with you to ensure everything stays aligned.

What You Can Expect:

  • Regular reviews (annual or more frequent if needed)
  • Portfolio performance check-ins
  • Rebalancing if market conditions or your goals change
  • Updates to your financial plan based on life events


Clarity. Confidence. Continuity. That’s our commitment to your future.