Philosophy & Process

Encompass Professional Services seeks to build and preserve our clients' wealth. Through client-specific financial analysis and investment research, our services are designed to secure your financial well being for the long-term. We are dedicated to delivering advice in a manner that is both confidential and consistent with your needs.

A Service Orientation
Service and personal attention are the hallmark of Encompass Professional Services. It is the defining quality that sets us apart from our competition.

• The personal relationship that we develop with each of our clients starts with an initial meeting that identifies their needs, objectives, and risk tolerances.
• Thereafter, we develop a plan and illustrate our investment process, philosophy, and portfolio design.
• Once we have agreed upon an appropriate portfolio, we implement our portfolio recommendations.
• We then after 45 days, conduct a meeting to explain to our clients all of the relevant documentation and correspondence they have received from the investment companies and provide them with their own personalised Wealth Management compendium.
• Every quarter our clients will receive a written portfolio performance report, which gives them a clear picture of their position. We are available to meet with our clients on request, as well as for ongoing structured reviews.
• This is complimented with regular seminars from industry experts providing economic overviews and topic specific areas of interest or relevance to our clients.

Financial Planning
We believe in the financial planning process. This is the process of identifying goals, gathering and reviewing financial data, and designing and implementing a plan to help you reach your goals. It is a lifelong process. Once the plan is in place, it needs to be monitored, reviewed and updated to meet changing economic circumstances. Everyone can benefit from the financial planning process.

Objectives
There is no one particular investment portfolio that is appropriate for all individual investors. The optimal portfolio will depend on the amount and timing of cash flow needs, tax considerations and market conditions. Investment decisions should be based, therefore, on the client's objectives. Through that objective-driven process, crucial factors such as appropriate levels of risk and return are derived and optimised to achieve those objectives.

Investment Planning
Investing is only one component of financial planning though certainly an important one. We believe that a complete financial plan and asset allocation can be designed only after the initial financial planning process is complete and a target return is established. We allocate assets among the major classes of cash, shares, fixed interest and property. Shares are divided between domestic and international and large and small capitalisation. We further divide domestic stocks into growth and value styles. Listed Property Trusts (LPT's) are utilised for the property component of a plan. We also are able to select special opportunities as we are an independent licence holder with our own non biased approved product list.

Investment Policy
We believe in developing client-specific investment strategies that emphasise diversified asset allocation. Each client has a personalised financial plan, which outlines the strategy just right for that individual.

Tax Sensitivity
Taxes represent a significant consideration for every long-term investor. By incorporating tax planning, investors retain more wealth to help meet their goals. We exercise care in the appropriate placement of investments within taxable and tax-deferred accounts. Taxation should never be the primary motivation for undertaking an investment.

Risk Management
We believe in protecting our clients from sleepless nights and providing them with the additional peace of mind through a comprehensive insurance analysis. Our Specialist Risk Consultants can assist you and your family and your business in maintaining your current lifestyle and goals by providing you with funding in your time of need. This is achieved through a personally tailored insurance package.

Mortgages and Refinancing
Encompass Professional Services provides a range of home and investment loans designed specifically to meet the needs of our clients. Whether it is for first home buyers, experienced home buyers, refinancing, renovating or investing, we will tailor a solution to help you achieve your desired lifestyle goals and objectives.