Kairos Advisory Group
Our Approach
Effective date:
Success is achieved by choice not by chance. We will make it happen and not wait for it to happen.
We follow our proven systematic processes to ensure that we deliver quality to our clients through our Six-Step Financial Planning Process, Insurance Selection, and Investment Methodologies. Combined, these approaches have been effective over the years in helping our clients achieve financial security and lifetime financial success.
Six-Step Financial Planning Process
1. Establish a Client-Planner Relationship
We will work towards a “Meeting of Minds” to understand your financial aspirations. With this compatibility in mind, we will be able to work with you towards meeting your expectations and achieving your financial goals.
2. Client Data Gathering and Defining Goals & Objectives
We will analyse your current situation by collecting and assessing all relevant data - your assets and investments, wills, insurance policies, tax returns, employee benefits, sources of your income and your expenses. We will help you identify financial and personal goals and ensure that they are realistic and achievable.
3. Analysis of Current Financial Plan
We will focus on specific problems that stand in the way of those goals: inadequate cash flow, unnecessary tax payments, inappropriate insurance coverage and investments.
4. Development of Comprehensive Financial Plan
We will prepare a written plan comprising IPP’s proprietary and proven modules: Wealth Protection, Wealth Accumulation, Wealth Management and Wealth Distribution.
5. Implementation & Execution
We will offer ways to implement our recommendations or alternatives in coordination with other specialists outside IPP in order to increase your cash flow and optimise your capital gains.
6. Regular Review & Update
You will benefit from regular reviews and revisions of your plans. Your plan should be updated to account for changes in your life, in current economic conditions and in new investment opportunities. Periodic reviews show the progress you are making in reaching your goals.
Insurance Selection
Our insurance selection philosophy is to identify and choose the most competitive plans across plan types (e.g. Whole Life, Investment Linked, Term Insurance, Endowment, Health or Medical). In determining competitiveness, we adopt a proprietary methodology that considers costs, benefits, features and results from quantitative assessment.
Life Product Department
Our Life Product department assists IPP Advisers with research on insurance plans and creating an approved recommendation list. Adopting an unbiased approach, our team conducts detailed analysis while ensuring breadth and depth in product coverage in the selection of insurance plans that best fit our clients.
Insurance Selection Process
- For all new insurance plans launched by our institutional providers, our Life Product department carries out due diligence to ensure the insurance plans selected are suitable for fulfilling the needs of our valued clients.
- The findings from the due diligence assessment will then be presented to the Life Product committee for approval.
- The Life Product department will conduct a detailed comparison analysis for each approved plan type using quantitative and qualitative assessment methods.
- The plans that best meet our stringent selection criteria will make the recommendation list.
Investment Methodologies
We employ rigorous research and analysis to identify investment opportunities that align with your risk tolerance and financial goals. Our methodologies are designed to provide consistent, long-term growth while managing risk effectively.