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Wealth Empowerment – Executive Summary

A financial plan can do far more than just help you get your finances in order. It

can provide you with a wealth of advice to guide you on your journey to

Wealth Empowerment.

This White Paper explores what Wealth Empowerment is, and how to start

your journey towards it. It clarifies what a good financial plan can do, including

six strategies for Wealth Creation and eight strategies that will help ensure

your wealth and assets are adequately protected.

Goal setting is also discussed, as are the top five tips to assist you in designing

and enjoying a better financial future. Learn how to maximise your choices and

take control over your own assets and wealth creation today.

You can achieve wealth empowerment for yourself. The following pages will

explain how.


What is Wealth Empowerment?

‘Wealth Empowerment’ is a notion different to traditional financial planning processes. It is

about creating a total plan for not just your money, but also your life. Wealth Empowerment

is about managing your finances in a way that empowers you to live the life you really want

to lead.

Any dictionary can tell you that ‘wealth' is generally considered to be an abundance of

valuable material possessions or resources. But what do you personally think of when you

read or see the word ‘wealthy’? You may think of the wealthy as jetsetters who enjoy

glamorous holidays overseas, who own big houses, yachts, flashy cars, and a bulging

investment portfolio to top it all off. Maybe it’s someone who shops wherever and

whenever they like, without ever looking at a price tag. Those we consider wealthy seem to

enjoy a distinctly enviable lifestyle—they enjoy a state of affluence that is easily perceptible.

However, as this White Paper will show, Wealth Empowerment as a strategy is about more

than just creating the simple appearance of wealth. A good financial planner will tell you

that there is far more to wealth creation, management and empowerment, as you will soon

discover.

Wealth Empowerment is about creating financial strategies to invest you with more power

and control over your own life. It’s about managing your money to enable and empower

you to take control of your own destiny. Most of us structure our lives around the pursuit of

money, in the hope that we can fulfil our goals as we accumulate. A good financial planner

with a holistic approach can show you how to structure your money and assets to live the

life you want; with the express goal of helping you achieve your aspirations and dreams.

These will become the milestones within your “Family Life and Wealth Plan”.

Structure your money to get the life you want, not the other way around.


Where to Start on the Path to Wealth Empowerment?

A Family Life and Wealth Plan

The Family Life and Wealth Plan is a mental concept whose structure will vary from person

to person based on their individual situation. Based on the philosophy of “True Wealth

Accumulation”, your Plan document will become a dynamic guide to all the family members

and their adviser to create the proper legal structure to support the family goals. And it will

establish the guidelines for the day‐to‐day administration of the “Family Life and Wealth

Plan”.

Life is too short and everything we do that is outside our focus area, regardless of its success

or failure, can be a distraction. Taking the time to evaluate your values, goals, beliefs and

passions and to share these amongst your family gives you immense clarity and focus on

those activities that will generate the greatest results for you and your loved ones.

“How do I get started?” you ask:

1. Just start! Do something! Set aside some time to be alone with your thoughts. If you are

married, talk it over with your spouse and each of you will work at it separately to begin

with and later jointly. If your children are old enough, get them involved and thinking about

what their future goals are—do they want to go to a particular university, travel overseas,

save up for their own car? When you all plan together, you involve each other in the

achievement of your hopes and dreams.

2. Start with “The Purpose”. Why do you want a written document that expresses your

values and intentions regarding the accumulation, preservation and application of your true

assets? Be clear about why you are planning for the financial future of your family. Have a

goal in mind and plan towards that goal, together. What financial future do you want to

achieve for your family? Once you know your purpose and your destination, your plan can then be designed in consultation with your planner in order to make sure you get there.

3. Write about your “Family Wealth History”. To what do you attribute your True Wealth?

True Wealth is not just your financial wealth, but your human and intellectual wealth as

well. Your human wealth is made up of your personal assets, which enrich your health,


happiness, spirituality and family life. Your intellectual wealth is made up of your assets of

education and experience. Think about who contributed to those assets for you (perhaps

your parents, grandparents, family friends, aunts, uncles, siblings, friends and so on) and

think about how you would like to contribute to the development of those assets for your

own loved ones. Your planner will help facilitate the achievement of these goals.

4. Identify what you perceive to be your “Responsibilities and Obligations” to your True

Wealth. Are your assets just for your benefit while you are here, or is there a higher or

lasting stewardship responsibility? Do you intend to help fund the higher education of your

children? Would you like to pay off the family home loan or any other debts so that your

children don’t have to deal with them? Have you set up adequate income protection, life

insurance, home and contents insurance and so on to maintain your family’s standard of

living should a disastrous event occur? Would your family be in a good position to take care

of themselves if something were to happen to you? These are all areas you can plan for,

with good advice from your financial planner. With a bit of foresight and planning you can

protect your family, no matter what the future may hold.

5. What is your “Motivation” for the use of your financial assets? This question essentially

boils down to:

a) What do you really want to use your money for?

b) What do you want to happen to it after you go?

• Do you want it just to go directly to your children, or

• Would you rather it was a resource available as needed or wanted based upon

some criteria, or

• A combination of both? It’s possible to leave an amount in direct inheritance to

your children, and then have the balance of your wealth protected and preserved

as a resource for your children and future heirs as needed.

• Do you have a charitable interest? Identify causes most dear to you. Where would

you like to make a difference? Don’t be afraid to think big! If so, do you want it to

go outright or would you rather it stayed under the control of your family, offering

continuing support to your favourite causes?

• How do you wish to prepare future generations for the optimum utilisation of your

assets?

• What attributes do you value most? What are those values you wish emphasised in

all of your planning and in the entire decision making?


• Identify what financial independence would be for you and why that is important?

6. Consider what legacy you wish to leave your family? Do you want to be remembered as

a generous provider, who thought ahead and planned for the future of your family

members? Do you want to be remembered as someone who adequately planned so that

the family would be all right when tough times occurred? You can make a huge difference in

the ongoing welfare of your family by having a comprehensive financial plan in place.

7. Consider what legacy you wish to leave society? There are numerous ways that you can

make a positive contribution to society, while you are here and after you pass away.

Consider causes you wish to support and talk to your financial planner about how to

facilitate and implement the use of some of your Total Wealth to support some of your

favourite causes.

8. Sign and date it. Remember that this document is not meant to be static. It must evolve

as your life and the lives of your family members change. (Each time it changes, you must

sign it and date it!) Begin the journey with the understanding that you will make

improvements in the future. But the most important thing is to start thinking about the

future, and planning to not only financially protect your family, but also to enrich their lives

more than just financially. Do it, and you will increase your clarity, balance, focus and

confidence. A comprehensive plan, devised by you, your family and your advisor, will go a

long way to assisting in alleviating financial stress and helping you meet your needs both

now and in the future.


Do More with Your Money

In wealth creation, it’s often the opportunities you don’t know about that could make the

biggest difference. Your financial planner can reveal them to you.

New opportunities to improve your financial situation arise all the time. It’s your planner’s

job to keep up to date, so let them advise you. When considering strategies to improve your

wealth creation, consider:

• Whether they are in line with your goals • How soon you will see the benefits • What are the tax implications • Will they complement the plans you already have in place • How flexible they are if you need to change your plans quickly • Can they generate an income for you • How much risk is involved and can it be adequately managed

Securing Your Financial Future

When creating a plan it’s important to have a clear idea of what your goals are and what

your destination is. While your ideas about this may change over the years, a good financial

planner with a holistic view has the expertise to help you identify what is most important to

you.

They can then help you devise a plan to reach your desired outcomes and make sure you

remain on track to your goals even as your personal situation inevitably changes over time.

A good planner can help you make the most of your money so that you can achieve what’s

important to you. A comprehensive assessment of your situation will help identify new

opportunities and show you more of what you could be doing to improve your financial

position. They will consider which strategies are right for you, and show you how to achieve

the best results.

Action is the key when it comes to your family’s financial security. There’s a lot you can do

now that will make a significant impact, both today and in the future. If you want to invest

for the future, find out how to pay your home loan off sooner, retire with more, relieve

financial pressure, or are interested in other strategies to improve your financial position,

then speak to your planner today.


Your Financial Planner – Who are they? What do they do?

A planner can help you make wise decisions about your money by empowering you with

advice and information. They can also help empower you by providing the time and

dedication needed to strategically follow through with those decisions. Yet a good planner

will also appreciate that there are more important and pressing concerns in your life than

money.

A planner with a holistic approach will assist in creating a plan for you dedicated to helping

you achieve your life goals through the proper management of your economic resources.

This will mean that you and your family will have the finances available at the stages of your

life when you need them most, when you are ready to turn dreams into action.

A good planner can help free you from financial stress so that you can better focus on the

things that are most important to you. They know that a lot of money is useless unless you

have the time and energy to take care of other, more important areas of your life. Financial

advice provides the expertise and tools to not only optimise your financial wealth, but also

to help improve your knowledge, relationships and experiences which are related in no

small way to finance. A good, holistic planner knows that money is of no real value or

concern unless all other areas of your life are prosperous and secure. Prosperity and

security are the twin goals of a good financial plan.

Wealth is about more than money—it’s also about knowing

how to manage it and when to make decisive choices that

affect the growth of your money, and the security of your

finances. Wealth, knowledge and action are the three points

of the triangle of an effective financial plan.

Talk to DKAS today to get your financial plan underway.


Wealth Creation

Financial Planning should not just be about protecting what you already have, it should also

be about the enjoyment of the wealth you are accumulating. Naturally, you want to see a

reward for your hard work. Unless you win the lottery, wealth creation is not likely to be an

overnight occurrence. Instead, it is a process reliant upon an integrated, long‐term strategy

which is focused on delivering realistic growth.

Strategies such as:

• Savings plans

• Adequate budgeting

• Tax planning strategies, and

• Investment strategies

play a key role in long‐term plans to ensure wealth creation. Proper management of an

integrated plan will help ensure that you attain your life goals. This is the true meaning

behind appropriately managing your financial decisions—creating a comprehensive plan to

ensure that you have the resources available when you need them, to live the life you want,

and to achieve your life goals.

Successful wealth creation strategies will allow you to be financially independent. A good

way to define financial independence is when you can rely solely on the income of your

investments rather than your working income. Financial independence is especially

important for your retirement.

Financial independence, however, is no easy or quick task. Let’s consider in greater detail

some of the wealth creation strategies mentioned above, and a few others.

1. Savings Plans:

All great investors are great savers, and it doesn’t matter how much you earn, you

can always find money to save. One general rule is to put away 10% (or some fixed

amount) of your income every payday straight into savings, and don’t touch it. If you

are in business, you will have to find ways to take cash out of the business regularly,

no matter how hard it is. You should do this in the most tax‐effective way. Your

planner can advise on how to do this.


2. Cash flow and Budgeting:

If you are going to start saving, you will need to monitor your income and expenses,

work out where your money is going, and find ways to cut costs.

3. Insurance:

A good financial planner should be able to review insurance products for you and

select one that is tailored to your needs. This is where you will find non‐aligned

planners best, as they are not biased towards certain products or companies.

4. Superannuation Planning:

You need to answer several questions in terms of super such as;

Where you are going to invest your compulsory super? Are you going to use your super fund’s insurance or will you look

externally? Explore Self‐Managed Super Fund options Salary sacrificing – when should you start? What are your Transition to Retirement strategies?

5. Investments:

You can have a combination of investments but if these are not structured properly,

or the wrong ones are selected for you, you will get nowhere. You should consider:

Gearing Strategies: Good Debt versus Bad Debt. Borrowing to invest can be risky but it can also pay off if you select the right investments and borrowing strategy. There may be many tax implications, good and bad, that you also need to consider. Good advice can go a long way.

Structured products: These are designed so that if the markets drop, you

don’t lose your initial investment. They are of the lower risk variety of investments. Have you considered any of these?

6. Investment bonds:

These are bonds such as education or insurance bonds—they can be used to save for

children’s school or university fees and have good tax benefits, but must be held for

at least ten years.

Talk to your planner about the best strategies for you.

Wealth & Asset Protection


Wealth empowerment is about giving you financial control over your own life, while

relieving the stresses that inadequate financial planning can bring. Wealth and asset

protection strategies are an essential part of ensuring that you have a comprehensive

strategy to look after your wealth, and yourself, in case of a serious financial or physical

setback.

Many people think that they only need to take out a life insurance policy in order to protect

their family should negative events take place, but they don’t recognise the value of wealth

and asset protection strategies. These too can ensure peace of mind for you and your family

should difficult situations arise in life. Wealth and asset protection allows you to protect

your most valuable asset—you, and your capacity to earn a living.

Your ability to earn income is essentially the keystone to your current lifestyle. It is also

crucial to your ability to achieve your desired goals in the future. Adequate planning in the

form of wealth and asset protection strategies could mean that you are better placed to

protect and provide for your family should a situation causing personal financial crisis arise.

Important wealth and asset protection strategies that you should consider include:

Trauma insurance

Income protection cover

Business overheads or expenses protection

Total and permanent disablement cover

Life insurance

Key‐person insurance for business owners

Asset (debt) protection

Ownership protection (Business Succession)

Each of these is explored in further detail in the following pages.

1. Trauma Insurance

This cover pays a lump sum if you suffer from one of the specified major diseases or

injuries covered. These typically include heart attack, stroke, cancer, blindness and other


diseases as specified in the policy. It is designed to provide money at a time when you

need to cover medical and rehabilitation costs, and to help with lifestyle and

employment changes. It helps you protect your family from financial stress at a time

when they are already undergoing emotional stress.

2. Income Protection Cover

Taking out this kind of cover will ensure that you can replace up to 75% of your regular

income, and super contributions of up to 15% (if this option is selected), if you become

ill or injured and cannot work. These premiums are generally tax‐deductible, depending

on your individual circumstances. Your planner will advise.

3. Business Overheads or Expenses Protection

This insurance is good to take out for yourself if you are self‐employed or a small

business owner. It will help you cover the fixed costs of maintaining your business in the

event that you become totally disabled. This insurance can ensure the continuity of your

business in the event that you suffer a period of illness. This means that your business

will be able to provide you with a return, or in the worst case, it means that your

business will still be a viable asset for you to sell as a going concern.

4. Total and Permanent Disability Cover

This type of cover can be used to eliminate debt, pay ongoing medical expenses, make

necessary home modifications, or to hire home care services such as nursing, cleaning

and cooking. In the event that you suffer from a serious injury or illness and you become

totally and permanently disabled, this cover helps ensure that you have peace of mind

knowing that you did everything you could to make this event less financially stressful

for you and your loved ones.

5. Life Insurance

Would your family maintain their standard of living if the main income earner died? Life

insurance can help your family have a secure financial future, no matter what happens.

This type of insurance will pay a lump sum if the person insured dies. It can help provide

financial security in times of uncertainty, and can cover debts and living expenses. It is

applicable to all life stages.

6. Key Person (or Key Man) Insurance

This is a type of Corporate‐owned life insurance which insures an employer against the

death or incapacitation of a key employee. An employer may take out Key person

insurance on the life or health of an employee whose knowledge, work, or overall


contribution is considered uniquely valuable to the company. You would do this to offset

the costs of hiring temporary help or a replacement, and the losses such as the

decreased ability to perform until the replacement is adequately trained.

7. Asset (Debt) Protection

If you own a business, you can ensure that your business’ debts are protected. This will

mean that you will be able to satisfy creditors and maintain your credit status if you

become unable to work due to serious illness, injury or disablement. It also protects

your assets that were promised as security for lending. This is important because

customers and suppliers may not feel confident in the trading capacity of a business

which is withholding payment of its debts. Your credit rating could also fall if lenders

aren’t prepared to extend credit, or outstanding loans are called up for immediate

repayment.

8. Ownership Protection (Business Succession)

The death of one of the owners of your business (or you) may also result in the untimely

demise of your business if you don’t have adequate business succession planning in

place. If you own a business and want to ensure the smooth succession of your business

from one owner to another, you need to know about Ownership Protection. It will help

create peace of mind for you and also provide security to your employees through

continuity of employment. Ownership protection can provide continuing owners, or

their nominee, with sufficient cash for the transfer of the outgoing owner’s equity to the

continuing owners, if a business owner dies, is disabled or suffers a critical illness. Talk to

your planner to learn more about this.

Talk to your financial planner today about how best to maintain your family’s current

standard of living in the event that your ability to earn becomes compromised or your

situation changes. Gain peace of mind that you will be able to take care of the ones you

love, no matter what happens.

Create Wealth with the #1 Secret that the Wealthy Don’t Want to Tell You

The first and crucial step to financial independence and wealth creation is goal setting.

A quote from Napoleon Hill identifies the power of goal setting quite succinctly: “Whatever

the mind can conceive and believe, it can achieve.”


If you do not have clear life goals, you will find that your finances, and your life, can lose

focus. Less than 10% of Australians have written goals. The keyword here is written—much

of the population does have goals, but goals floating around in your head are much less

likely to be attained than clear, documented goals that you can see everyday.

And to go one step further, find ways to reinforce your goals, everyday. It has been said

among many successful business leaders that the difference between millionaires and

billionaires is that while millionaires have clearly documented goals, billionaires find ways to

reinforce and implement them, everyday, no matter how small the action. So be one step

ahead and start setting goals for yourself today.

“Smart” goal setting

One simple guide to goal setting is the SMART method of goal setting. Goals must be:

Specific Goals should be specific, rather than general, and clearly define what you want to achieve.

They should establish:

• What: You are going to do. You should use action words and make it a present tense,

positive statement.

• Why: is this important to you? Explain you want to accomplish and list specific

reasons or a purpose for accomplishing this.

• How? Are you going to do it? Identify requirements such as people and resources

but also an overall strategy.

Measurable You cannot manage a goal if you cannot measure it. You need to be able to monitor your

results so you can measure your success.

• As well as a timeline for the goal, you should list several short‐term

measurements as well. You need to be able to measure your goals against

specific milestones in order to stay motivated and feel as sense of

accomplishment.


• When you can measure your goals, it is easier to stay on track and achieve the

goal on time as a result.

Attainable and

Realistic Goals that are not attainable, and are too far out of your reach, will usually mean that you

will not commit to them. Whilst you will need to develop skills, attitudes and the financial

capacity to reach some of your goals, if a proportion of this is not there when you set the

goal, this will usually make it a lot tougher to commit to it in the first place.

• Set goals that are attainable with some effort, but are realistic enough with the

skills and resources available.

• A goal is realistic if you believe that it can be accomplished. A high goal is still

realistic if you still believe that you can attain it.

Timely Goals should always have a timeframe; otherwise you may never achieve them. If you do

not set a time frame, the goal becomes vague and gives you no real urgency to work

towards it now. It will be put off when times are tough or you are too busy.

Set a timeframe for the goal: for next week, in three months, in five years. By

having a deadline for your goal, you are giving yourself a clear target to work

towards.

You should set short term goals (less than 1 year), medium (1‐3 years) and long

term goals (5 or more years)

A Financial Planner’s Top Tips to a Better Financial Future

If you ever wanted to ask a financial planner what their top five tips to creating, managing

and protecting your wealth were, well, you’re in for a treat. Here they are:

1. Budget – Want to find ‘extra’ money? A budget can be an amazing tool to help you

clarify just how much money you actually have, where it is going, which costs are

necessary and which could be tightened a bit, and where you actually want to direct

your income. It will help you manage debt, pay your bills on time, and save your


money. Use your budget to help you clarify and separate what you absolutely need

from what you just really want. An adviser can help you better manage your money

to be better aware of money going out, as well as coming in. Budgeting is a vital step

towards gaining financial security and independence. Take responsibility for your

own money.

2. Make the Most of Your Money – You can build wealth. Setting aside a fixed amount on a regular basis, even if it is small, can make a difference. This is all about

making your money work for you. A financial planner can help you plan appropriate

investment options, and navigate the legal requirements and tax implications and

help you reach your financial and life goals.

3. Protect Your Wealth – Plan ahead for the curveballs that life occasionally throws. Events like a serious illness, injury or even death within your family are likely to

cause great emotional stress. You can help alleviate some of the financial stress

should any of these traumatic events take place, by adequately insuring your

income, your family and your property. Find out whether you will have or could have

some cover through your superannuation fund. However, this may not be enough. A

financial planner will help ensure that you get the right insurance to protect your

family. Once you have adequately prepared for all eventualities, you won’t have to

worry about what may happen tomorrow. Get peace of mind and consider what

insurance covers you may need.

4. Expect Market Volatility – Changes in market conditions such as those in 2009

can be frightening when you don’t understand the reason behind them, or the full

impact they can have on your finances. A financial planner can help you manage

your assets the best way possible during difficult times, and still maintain focus on

achieving your long‐term goals. They can recalibrate your financial plan in order to

make sure you are still headed in the right direction. Having an agreed strategy for

building wealth means that you can have peace of mind even when the markets are

volatile. You will still achieve a better long‐term result by having a plan and a planner

to manage it, no matter what the market is doing right at this very second.

5. Plan for the Future – How much money should you put into superannuation?

How much will you need to retire? How long is a piece of string? A good financial

planner can help you figure out what you’ll need, and they can also help you assess


how to build enough wealth to retire at the age you want. They can help you

prioritise, plan for, and meet your lifestyle goals for retirement.

Good financial advice will help you understand all your options so that you can make the

right choices. It will also help you know what you can achieve so that it is easy to stay on

track towards your goals. A planner will also help you to stay informed about new

opportunities to grow your money. Don’t miss out on the bigger picture in terms of your

finances. Speak to a planner today to set and reach your long‐term financial and lifestyle

goals.


Maximising Your Choice and Control

One of the greatest fears expressed by our clients is losing Control and Choice over their

financial assets. Every year when you write a cheque to the ATO, you give up the very thing

you want to preserve.

We do believe in paying our fair share of taxes and playing by the rules, however there are

ways for us to retain Control and Choice over our tax dollars. The government regulates the

tax laws that are in place and they are structured so that society benefits. Consequently

they can increase taxes in the future as the needs of our people increase. We utilise tax

friendly laws in accordance with proprietary strategies and/or our client’s structures to

protect and control the family’s assets.

Last year alone we redirected over 4 million dollars of our client’s family assets. These

monies were used to help fund several projects such as: starting a family business,

preservation and protection of our environment, creation of trusts (providing retirement

income streams), funding for higher education, and much more!

This year before you write that significant cheque to the ATO to pay your fair share of taxes,

consider the Control and Choice of one of your most precious assets, your Family Assets. If

you decide not to I can assure you the government will.

For the tactically minded, you could:

• Create an income stream for retirement

• Review your insurance ownership • Re‐examine your trading structure

For the charitably inclined, you could:

• Make a difference in the world • Involve family members in a philanthropic campaign • Create a legacy that will outlive you.

Talk to us about establishing a plan to “re‐direct” your assets back under your Choice and

Control. A good financial planner will consult directly with you and your tax advisors to


customise a re‐direction strategy that meets your specific goals and objectives. Receive tax

planning advice to ensure that you have the best tax profile possible. Changes in taxation

law can also mean that you have to update your will, and your planner can be of assistance

here. For business owners, your business structure is also important in terms of tax

planning. Talk to your planner and develop a comprehensive plan.

A Strategy to Improve your Tax Rate in One Paragraph – Put more into super now!

Want to know how to pay less tax, legally? A planner will tell you that if you arrange with

your employer to sacrifice some of your pre‐tax salary into super, you will pay a maximum

tax rate of 15%, instead of your marginal rate which could be up to 46.5%.

This strategy could enable you to pay less tax on your salary and make a larger investment

for your retirement. If you are self‐employed, similar benefits are also available if you invest

some of your business income in super and claim a tax deduction for it.

See the good things a planner can do for you, to save you money and grow your wealth?

Talk to a planner today for more tax planning strategies.

Achieve Wealth Empowerment for Yourself

Wealth empowerment can help you master your time and achieve your financial goals in a

timely manner. With a holistic Family Life and Wealth Plan, you can reach a more

prosperous and fulfilling position in life. A good planner will challenge the way you think.

They are your gateway to the knowledge and experience that will help your finances and

goals progress. Take control of your financial situation. Be empowered to live a more

satisfying and prosperous life by the wealth of advice that your financial planner can

provide.


About the Authors – Dean Kavanagh Advisory Services Pty. Ltd.

Dean Kavanagh Advisory Services Pty. Ltd. (DKAS) is a non‐aligned and independently owned, financial planning business led by Francois Paquette. Paquette has been advising clients on insurance and planning matters for over thirty‐five years. He is meticulous, takes a personal approach to his work, and has a wealth of knowledge about products and providers, which ensures a tailored financial solution for you.

DKAS also does a lot of work in creating financial solutions for business owners in the construction, refurbishment, architectural and similar industries. As DKAS knows, these business owners operate in a practical industry, so they focus on delivering effective and fundamentally practical financial solutions.

But above all else, DKAS pride themselves on providing you with a holistic, no‐nonsense service that solves the problems that you can't, or don't have the time to.

Our Services

DKAS guides your financial planning through three main avenues: Wealth Creation, Protection and Distribution.

However, there is not one definite product, method, or service that can do all these for you. At DKAS, we focus on your problems and goals and then select the method to suit you. Not the other way around. How do we do this? Our experience and expertise mean that we are aware of many different financial solutions, and are able to choose the one that will best work for you.

Please contact us to find out more about wealth creation strategies and planning.

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