What we can do for everyone
We’ve been working in financial services for 35 years - we think it’s about time financial companies worked for you, not you for them. We take the lid off what companies do so you can see inside.
We educate, inform, unravel, demystify, protect and de-stress - that way you’ll know yourself what’s the best thing to do without anyone having to tell you.
Financial help without the sales pressure
What we won’t do for anyone
We aren’t magicians - we don’t have a magic wand that will make all your problems go away.
Anyone who says they can is lying and is probably trying to sell you something.
We won’t tell you what to do, nor will we tell you to cancel what you’ve already done.
We won’t sell to you and we won’t make you feel stupid for not knowing something.
No lies. No promises. No selling.
Examples of what we do
Have you ever bought something because the sales person was a family member or friend, but got no idea what you’ve bought and wish you hadn’t? Help is at hand.
For the average person, the MPF is never going to provide enough for a comfortable retirement. How will you know what you’ll get and what you’ll probably need?
Do you understand how banks and insurance companies make money out of you? And do you know when you should never buy and how to be savvy instead?
At current levels inflation won’t make much difference over the short-term, but over the long-term it can be fatal. When should you do something about it?
Why are gyms and beauty parlours so keen about signing you up for long contracts? Because they know you’re likely to stop going. Get wise to their business secrets.
None of us knows when we’re going to die, or if we’re going to get sick, or lose our jobs, or, or, or ... But understanding uncertainty means you can manage it.
Getting rich quick is the eternal dream, but unless you’re the next Bill Gates it’s no more than that - a dream. Understand lotteries, gambling and pyramid selling.
Being in debt is normal - nothing wrong with mortgages or car loans at all. But when you start maxing out your credit cards every month you need to get real.
Different needs, different focus
Each of our client groups - employers, individuals, groups - has different needs and these require a different focus.
Although the content of what we do can be similar for all clients, the context of why it’s needed can be very different.
We’ve explained a bit more about what we mean below.
Our communication principles
Don’t mislead by your choice of words - focus on understanding the uncertain. Words like “accuracy” and “precision” are inappropriate and distracting.
Keep it short - make it easy to find out what you really need to know so that you can do the right thing for yourself and your family.
Always assume that people know a lot less than they think they do, or say they do.
Engagement works more quickly and sticks more firmly when it’s lighthearted (unless that’s obviously inappropriate, i.e. when talking about death).
Demystify - that produces a level playing field of knowledge, so that people feel they know as much as the company does.
Be simple and clear, and avoid false sophistication because people see through it.
Present messages in jargon-free language that people can relate to, and repeat those messages over and over again until they stick.
People must be made to feel that there is “no such thing as a dumb question” and that ignorance does not mean stupidity.
Avoid cognitive overload i.e. telling people so much that they can’t take it in or get bored trying.