Support Is Proportionate, Not Permanent
You may choose supported planning when:
• A major life transition is underway
• You’re selling or restructuring a business
• Retirement timing feels uncertain
• Pension or tax decisions carry weight
• Divorce or separation requires financial clarity
• Inheritance planning feels complex
• Emotional stress is affecting judgment
• You simply want reassurance before acting
Support is not a subscription.
It is a response to complexity.
Structured, Calm, Focused
A typical session includes:
• Review of your Total Wealth Plan
• Clarification of goals and constraints
• Scenario modelling
• Risk and trade-off analysis
• Identification of blind spots
• Clear next-step summary
Sessions are practical, not theoretical.
We focus on decisions — not product sales.
Transparent and Time-Bound
Supported planning is charged hourly.
No retainers.
No percentage of assets.
No product commissions.
You book the time you need.
Typical formats:
• 60-minute session
• 90-minute session
• Time-bound project support (quoted clearly in advance)
Pricing is always disclosed before booking.
There are no hidden costs.
Clear Boundaries
Supported planning does not:
• Replace regulated financial advice where legally required
• Sell financial products
• Take control of your assets
• Create ongoing dependency
• Commit you to future sessions
If regulated advice is required, you will be advised to seek it appropriately.
Support Is Temporary
After your session:
• You receive a clear written summary
• Your Plan is updated
• Next steps are defined
When clarity returns, you return to self-directed mode.
The system continues to support you.
No obligation to continue.
Qualified, Ethical, Experienced
Supported sessions are delivered by experienced, ethically trained planners aligned with the Total Wealth Plan framework. We ae trained in:
• The GAME Plan framework
• Product-neutral planning
• Human capital strategy
• Decision architecture
• Ethical financial structuring
Their role is to support thinking — not to control outcomes.
Most People Don’t Need It Most of the Time
If:
• Your goals are clear
• Your cashflow is stable
• Decisions are low-risk
• Stress is manageable
Self-directed mode is sufficient.
That is by design.