The Tupicoffs’ Client
At Tupicoffs we specialise in maintaining and growing existing wealth.
We are the experts at tailored, independent, wealth management.
As the financial planning field increases in size and complexity, many financial advisers have chosen to specialise their services. There is such a wide range of advice and knowledge within the financial planning profession that choosing a specialist can help you get the highest quality of advice.
Tupicoffs specialty lies in preserving existing wealth, and growing this wealth to achieve client goals.
Our clients understand the value of quality financial advice, and they appreciate the benefits of the Tupicoffs’ independent financial planning model.
We offer independent advice, which means;
We charge no commissions to clients,
We do not restrict the products recommended to clients, and
We do not receive any gifts, or other benefits from the providers of products.
We also work on a fee-for-service financial planning model. Meaning that we charge an annual fee, that covers all our work for the year. Our fee varies for each client based on the amount and complexity of work required. Clients are told their fee when they sign on with us, and while it does change as each clients’ needs do, our clients always know upfront what our fee will be and what they will receive from us in return. We will never take on clients where the costs of advice will outweigh the benefits for the client.
The combinations of independent financial advice, a fee for service renumeration model, and our wealth preservation and growth specialty results in a few clear client demographics that find our advice particularly beneficial;
The Retirees
These clients come to Tupicoffs looking for a way to preserve their existing wealth, and grow that wealth for a stable retirement. They are looking for avenues to earn retirement income without reducing their enjoyment of retirement. They have goals for their retirement that they would like to achieve without compromising their future financial stability. These goals often involve time spent with kids and grandkids, travel and holidays, a relocation to be closer to the family or further from the city. Whatever their individual goals are, we are invested in easing any financial concerns, so they can enjoy their retirement. Tupicoffs are committed to ensuring our clients wealth is well managed, so they can grow it or spend it as they choose.
The Pre-Retirement Planners
Our pre-retirement clients normally come to us in the decade or so before they retire. They’re established in their chosen careers and want to plan ahead, so when they’re ready to retire, they have the means to do so. We work with them to understand their retirement goals, to determine how much money they need to meet their retirement goals, and then we help them implement early strategies to ensure they retire with a comfortable financial portfolio.
The Suddenly Wealthy
Sometimes, for a wide range of reasons, people acquire sudden or unexpected wealth. This often occurs as the result of an inheritance, a divorce, or an insurance payout. These clients come to us hoping to preserve their wealth. They have often not managed funds of this scale before, or are simply looking to make sure their money will last. Clients want to preserve their newfound wealth, to carry them through their lives, or to set up their families for ongoing generational wealth. We help our clients protect their wealth and harness its potential for growth, making their money work for them.
The High Income Earners
People often feel like theres no such thing as too much money. High income earners may not agree. They often seek financial advice because they have more money than they actually know what to do with. They are generally very busy with their work, and have more than enough for their own needs, so they reach out to a financial planner to manage their wealth and set themselves and their family up for the future. The high net worth wealth management client has the potential to build themselves a robust wealth portfolio that grows year after year, due to both sound financial advice and investment strategy, and a reoccurring investment of the earner’s excess funds.
The Business Owners
These clients are often very successful in their chosen field, and prefer to spend their time on that passion, rather than managing their personal finances. A financial planner allows them to know that their money is well looked after, without the day to day concern about ensuring their money is safe. We also often see business owners as they prepare to sell their business. They have an idea of what their business is worth and they want to ensure that the money from the sale is used to its maximum potential. This often involves structuring their finances to generate additional wealth, and protecting their assets in order to set them and their family up for long lasting multigenerational wealth.
The Short Term but High Impact Career Client
These clients work in fields where the tenure is known to be short. This is best demonstrated in professional athletes, they start young, are paid well, but retire decades before a normal career would allow. As financial planners, our job is to ensure that the earnings from their career are leveraged appropriately, to ensure that they are not financially restricted. While many professionals go on to hold other jobs in their sector, successful wealth management allows that to be a choice, not a necessity. If their finances are managed correctly, a professional athlete may never need to work again once they retire from their sport
Above all else, our clients were looking for expertise, experience, and individually tailored financial advice.
It’s how they found us.
