A Financial Planning Process Distilled over 30 Years
Become more intentional about your money choices.
Money is a tool - Use it to build the life you want.
Good Financial Planning Should...
Provide Clarity
Remove the jargon and confusion from your finances.
Reduce Uncertainty
Life in uncertain. Being prepared for uncertainty helps put you back in the driver seat.
Make Work Optional
Understand when you can make work optional.
Set Goals
Establish clear individual life goals so your money is working in ways that support what matters most to you.
Simplify
Consolidate, organize, and simplify your finances.
Instill Discipline
Keep you accountable. It can be a challenge to make financial decisions alone so we stive for long-term partnerships.
The Dixon Davis Authentic Life Process
The Dixon Davis process is a unique financial planning approach that goes beyond traditional conventional methods.
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Rather than just numbers and processes, this methodology begins with your desired life and ambitions, then applies suitable strategies—simple when possible and complex when necessary—to transform your goals into realities.
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Our process takes you through four main phases on your journey to build a financial plan.
We don't manage assets or sell insurance so we can help you
determine what you actually need.
When we analyze an investment strategy, we focus on the following:
Costs matter
Costs reduce an investor’s net return and are a major hurdle for fund performace. Before a fund can outperform its benchmark, it must first add enough value to cover its costs. Sadly, most professional fund managers fail to add value and high cost is a strong predictor of poor fund performance.
Diversification is Essential
Diversification is the principle of spreading your investment risk around. We believe that a well-structured portfolio is about playing the odds. Diversification is holding thousands of shares and bonds of many companies and governments in many countries around the world.
Asset allocation and portfolio structure drives portfolio return
The most important factor in determining the level of risk and variability of return in a portfolio is asset allocation.
The capital markets work
The prices of securities reflect the expectation of all market participants. The capital markets are far from perfect, but they do a good job of fairly pricing all available information.
Consistent outperformance is rare
Economic uncertainties, random market movements, and the rise and fall of individual companies mean it is extremely difficult for anyone—including professional fund managers—to beat the market in the long term. There is a significant body of research to suggest that outperformance by most fund managers is down to luck rather than skill.
Investor behaviour is a key determinant of their long-term outcome
All too often, investors let their emotions get the better of them with dire consequences for investment returns. As financial planners, a key part of our role is to help clients maintain a disciplined approach, especially in extreme market conditions.
