Essential is independent, so our advice is completely impartial. We are not aligned to any single institution and we are rigorous in our selection process – whether it be funds, insurance or mortgages. Our simple criteria are that they must be the best of their type, and we can tell you precisely why.

We place a lot of importance on providing a quality set of choices, and giving clients the means to clearly compare and understand the options.

At Essential we don’t simply ask you how much you want to save and stick a brochure in front of you – we want to know what you’re saving for, how much you’ll need, when you’ll need it, how much flexibility and accessibility you need, the level of risk you’re comfortable with and what you already have in place.

Financial planning is personal, so it is only when we know what your objectives are that we can then structure a strategy to meet them.

An invaluable tool in this process is our MoneyMap, which allows you to list your assets and liabilities, your goals and objectives, and then calculate what you need to do to achieve them.

Even if you presently have no objectives other than to make your money work smart, it’s good to know that the tools are in place ready and waiting for when you do need them.