A Clear Path to Financial Confidence
Our process turns complexity into clarity — helping you make confident decisions about your money and your future.
About Our Process
Our Process
Financial planning is an iterative process. A quality financial planning process is comprehensive, thoughtful, well-implemented, and regularly reviewed.
Over the years, we have refined our approach to develop bespoke offerings that encompass all the essential elements of financial planning. These offerings are designed to meet the diverse needs of
This ensures that we can tailor our services to each client’s unique circumstances and life stage, providing a dependable and repeatable process that yields superior results. Like any effective planning process, ours begins with the end in mind. That’s why all our packages start with our Discovery Meeting.
Discovery Meeting
The Discovery Meeting is the essential first step for crafting a personalised financial plan that aligns with a client’s unique goals. The Meeting is a two-hour collaborative session that dives deep into the client’ personal and financial situation as well as their aspirations for the future.
Once this information has been ascertained, an in-depth SWOT analysis (Strengths, Weaknesses, Opportunities & Threats) will be conducted. In addition to this, the session will explore the client’s values, goals, and key relationships and provide all parties with a picture of where the client is today, where they are going and the milestones needed to reach those goals.
By the end of the meeting, the client will have a clear understanding of their financial situation and how Cruz can best support their financial journey.
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Design Phase
The Design Phase serves as the foundational starting point for all new clients at Cruz, establishing the basis for a strong adviser-client relationship. This tailored program offers clients holistic financial advice, drawing on our full range of strategic services.
Cruz will provide tailored strategic and product recommendations, empowering clients to make informed decisions that support their long-term financial success. The Design Phase concludes upon the delivery of the Statement of Advice. Should clients choose to proceed with implementation, they have the option to transition to one of our programs outlined below
Our Tailored Plans
At Cruz Financial, we keep things simple. We start by understanding what matters most to you, then build a tailored plan that grows with you. It’s personal, transparent, and designed to deliver results.
Collaborative
We believe the best financial plans are built together. From the very first conversation, you’re part of every decision — sharing your goals, priorities, and what financial success means to you.
Tailored
Your life, goals, and dreams are unique your financial plan should be too. We take time to understand your full picture before designing a strategy that fits your lifestyle, values, and ambitions.
Ongoing
Financial planning isn’t a one-time event — it’s a lifelong partnership. As your circumstances evolve, we keep your plan up to date through regular reviews, check-ins, and refinements.
Cruz Programs
Cruz Partnership Program
The Cruz Partnership Program is a holistic 12-month engagement agreement. This program is designed for all clients who wish to engage Cruz long-term. This program provides clients with holistic advice across our full range of strategic services, ensuring they receive continuous support and guidance throughout the year. As part of the program, clients will also benefit from an annual check-in meeting, offering an opportunity to review progress, refine goals, and plan for future success.
The Cruz Partnership Program is built to foster long-term relationships, delivering tailored solutions, ongoing collaboration and accountability to help clients achieve their objectives and thrive as we work together in the future.
Lead Adviser Program
Our Lead Adviser Program is designed for clients who seek a more comprehensive approach to managing their financial affairs.
This program includes our Strategic Planning service, ensuring that our clients’ financial objectives are clearly defined, and a detailed plan is crafted to help achieve them. Additionally, the Lead Adviser Program incorporates elements of Relationship Management, typically involving collaboration with the client’s accountant and life insurance adviser. This ensures that the core aspects of their financial strategy are managed cohesively.
Clients enrolled in the Lead Adviser Program benefit from two scheduled meetings each year. The first isa Tax Planning Meeting held prior to the end of the financial year, where we review their financial position and develop strategies to minimize tax liabilities. The second is a Check-In Meeting before the end of the calendar year, providing an opportunity to assess progress towards their financial goals and make any necessary adjustments.
Depending on the clients’ unique circumstances, there may also be an element of Investment Consulting included, offering tailored advice to optimise their investment portfolio. By participating in the Lead Adviser Program, clients gain access to a dedicated team of professionals committed to helping them navigate their financial journey with confidence.
Private Office Program
The Private Office Program is our premier offering. It is designed for clients who require a hands-on, all-encompassing and more personalised approach to
This program includes both our Strategic Planning and full Relationship Management services, ensuring that every aspect of our client’s financial situation is meticulously planned and executed. Our be spoke Investment Consulting is tailored to their unique circumstances, providing them with the most relevant and effective strategies to achieve their financial goals.
In the Private Office Program, we offer a structured four-meeting-per-year process, dividing the year into quarters to ensure that all aspects of our clients’ financial affairs are appropriately managed and implemented.
Each quarter is themed around collaboration with other professionals involved with our clients, such as account ants, mortgage brokers, general insurance brokers, life insurance advisers, financial advisers, and estate planning solicitors. Cruz manages the engagement with these professionals and invites them to attend the relevant Private Office quarterly meeting, ensuring a cohesive and integrated approach to your financial strategy.
Ready to take
control of your future
Spend less time managing the details — and more time enjoying what you’ve built. At Cruz, we help you plan, protect, and grow your wealth with confidence and care.
