Five things we do, and how each one actually works.

You pledge your mutual fund units and draw a credit line against their value. Your units stay invested in your name, you pay interest only on what you actually use, and you avoid both the exit costs and the capital gains tax that come with redeeming. We walk you through how much you can sensibly borrow and when it is the wrong answer.

We map out every fund, policy and deposit you hold, show you what each one is actually doing, and point out the overlaps, the expensive bits, and the gaps. You get a plain-language summary you can act on, including the funds we think are worth keeping exactly as they are.

We start from the life you want rather than a round number, factor in inflation and the years you expect to be drawing an income, and translate it into a monthly contribution you can sustain. Then we revisit it as your income and your plans change.

We help you set up a portfolio you can understand and explain, handle the KYC and the mandates, and keep the number of funds deliberately small. The aim is a plan that is easy to keep going for a decade, not a shelf full of schemes.

We look at your tax situation alongside the rest of your portfolio, so the money you invest to save tax is money you would have been happy to invest anyway. We are equally happy to tell you when the cheaper option is to simply pay the tax.