Fiduciary.

At Accumulus, your needs come first – ahead of anything else. We have an ethical and legal obligation to do what is best for you.

Fee-Based.

In the investment management and financial planning world, we do everything in a fee-only capacity by utilising a flat-fee or assets under management model. For insurance contracts we are paid on a monthly basis by the contract provider. You can trust that you will receive objective, impartial advice when you receive financial planning, investment management, and risk management services.

We believe in goals-based investing focused on what we can control. We believe the markets are efficient and emotions are inefficient. We believe in investing for the long term to build the kind of wealth that will create possibilities in your life. Understand that headline rates of returns or the “Sexy” investment do not correlate with your crafted financial plan of your goals.

What we can control:

• Reducing expenses
• Diversifying portfolios
• Minimizing taxes
• Staying disciplined

Historically, financial planning was only for the wealthy. Think 60+ years old with a million plus in assets. Well, we didn’t like that model. We saw our friends and peers struggling to find guidance on financial planning and life was coming at them fast with starting a family, buying a home, getting married, consolidating finances, student loans, budgeting, saving, insurance, and the list goes on.

Today, Accumulus predominantly serves Gen X & Gen Y professionals, business owners and their families. In layman’s terms, most of our clients’ household incomes are €150,000 +with many households having incomes much greater than this and fall between the ages of 35 to 65. Net worth can vary drastically for our clients, from €400,000 to €5,000,000+. With our flat-fee and subscription model, we do not have an asset of net worth minimum.

We get it, we are “picky”. However, give us a call and let’s talk through your specifics. If we are not the best fit for you, we will make sure we lead you in the right direction. When we first created Accumulus, we started off by only working with baby boomers and helping them prepare and navigate retirement. So, while that is not our only focus today, we still have expertise in that field. Moral of the story let’s chat on a Free Icebreaker Call and take it from there.

Think about all the uncertainties in regard to all the financial topics in your life. From insurance to cash flow to investing to saving for your goals while still enjoying the lifestyle you want today, it’s a lot to try and figure out on your own. You need to make complicated decisions and each choice impacts the other ones you need to make. It can feel like trying to balance an endless series of dominos without knocking over a single one ….ever!

But what if you knew the right decisions to make? What if you could make those choices with confidence? Imagine having all those uncertainties identified, explained, and planned out into actionable steps for you. Imagine if you had someone to navigate through the financial decision-making process with you, a trained, educated, and objective third party there to help you at every financial crossroads, ensuring you chose the right path. That’s what financial planning can do for you. We’ll be there every step of the way, offering professional and highly qualified advice no matter what goals you want to reach. Having a true financial plan built by a CFP® will give you even more confidence to help you create what you want in your life using the resources you have.

STEP 1: THE ICEBREAKER CALL

You already know about the professional, formal side of Accumulus. Through our website, you can see that we’re CFP® professionals with years of training and experience in guiding clients through all their financial questions and concerns and crafting custom plans to help them reach their goals.

But before you hire a financial planner, you need to know if you like them on a personal level. We believe in not only providing you with a great service, but also giving you a great experience whilst doing so. This call gives you an opportunity to get to know us and to see if we click.

STEP 2: DISCOVERY PHASE

Once we decide to work together to help you plan and strategise for financial success, we’ll gather important documents and information during our discovery phase. When we do meet, we’ll dig deeper into understanding what you want your future to look like. This meeting helps us know where you want to go and where you’re starting from.

With all of the data at our fingertips, we then begin to build around your specific goals, wants, and needs that we discussed during our Discovery Call.

STEP 3: BLUEPRINT REVIEW MEETING

This is the point in the process where we start taking actions to implement action steps within your plan.

You receive a tangible “to-do” list as part of your financial plan. That includes your specific to do’s as well as the tasks we’ll complete and be responsible for on your behalf. Remember, you don’t have to do this alone. We’ll be there every step of the way to keep you on track, hold you accountable, and keep you motivated.

ONGOING MEETINGS:

A financial plan is never complete and shouldn’t be static. It’s not just a piece of paper. It’s a living strategy, a charted course for an ongoing process that evolves and changes with you. Our ongoing meetings provide reviews, maintenance, and upgrades to your plan. Life will have numerous course correction events, and we will be there to update your crafted plan as needed.

Easy, click here to schedule you Free One-Hour Icebreaker Call. From there, you can select a date and time that suits your schedule. If you can’t find something that works for you, just let us know we will find a date/time that does.

If you don’t want to use the online calendar to schedule, just give us a call or send us an email.

Don’t stress about this one. We invite anyone who’s interested in receiving the best financial advice for their situation to book a Free Icebreaker Call with us so we can review your current situation and goals together. Based on your specific situation, we can decide which service is the best fit for you when we chat.

Anyone can call themselves a “financial planner” or a “financial advisor.” But only professionals who fulfilled the certification, education, training, and renewal requirements of the Financial Planning Standards Board can display the CFP® certification marks. That’s why it’s important to look for the CFP® designation when considering who to hire as your financial planning professional.

Here’s what is required in order to hold a CFP® designation.

Education – Complete a comprehensive course of study, which covers the financial planning curriculum approved by the Financial Planning Standards Board.

Examination – CFP professionals must successfully complete the Financial Planning Standards Board’s comprehensive examination, which tests an individual’s ability to integrate and apply their financial planning knowledge.

Experience – Three years of financial planning related experience before one can use the CFP® marks.

Ethics – Ascribe to the Financial Planning Standards Board ‘s code of ethics and additional requirements as mandated. This includes the Fiduciary standard or acting in the client’s best interest.