It’s not just about where you’re going.
It’s how you get there.
What We Do
We help you and your family attain total financial clarity.
To get there, we handle everything you’d expect from a financial adviser: tax planning, investments, pensions, trusts. But because of how we work, we also advise on the more complex areas: businesses, property, farms, and legacy.
Whilst unconventional, we embrace every aspect, because a plan that works for you, must look at everything, not just the investments.
The specifics matter, and we do them well. But the products we recommend are just tools. The real job?
Helping you live life to the fullest, without fear of ever running out.
The Way We Do It
Knowing what to expect can make all the difference.
We know choosing a trusted financial planner can feel daunting. That’s why we’ve designed a simple, risk-free way for you to get to know us, ask questions, explore our approach, and decide whether we’re the right fit.
A simple 3-Step Process to identify if we’re the right fit.
1 - Initial Call - A 15 minute phone, video, or in person meeting to discuss your situation.
2 - Initial Meeting - A friendly conversation, usually 1-2 hours, held with you and your spouse.
3 - Initial Blueprint - A high level early strategy outline, to identify where you are and where you could be.
We only work with clients where we know we can make a meaningful, measurable, difference.
Understanding You
The first step is all about you. Your goals, your circumstances, and what truly matters to you and your family.
We believe choosing a trusted adviser is a deeply personal decision, and not one to be rushed. That’s why our initial phase is designed to give you clarity, without pressure or up front fees.
These early conversations lay the foundation for a long-term relationship with a team who will come to understand your circumstances more deeply than anyone outside your family.
You’ll receive everything you need to make a well-informed, considered choice, so you can move forward with complete confidence.
A relaxed, one-hour conversation, often over coffee, where we ask thoughtful questions to understand what truly matters to you and your family. We’ll explore your values, your big goals, and anything you may be concerned about.
We believe that until we know more about you, your family, and your values, we have no right to talk to you about your money.
Held free of charge, this meeting is a chance for us both to discover whether we’re a good fit to work together, and to agree a clear, comfortable path forward.
Initial Discussion
Following the initial discussion, if we mutually agree, we’ll begin work on your Initial Planning Blueprint.
This document provides:
An overview of your current financial position and trajectory.
Our early strategic thinking, including potential planning directions.
A transparent view of the value we believe our advice can deliver.
The costs associated with our advice and a suggest path forward.
The aim of the blueprint is to give you clarity and confidence; not just about your financial situation, but about the benefits of working together.
It’s designed to be independent, insightful, and practical, helping you make an informed decision about entering a long-term planning relationship.
Initial Blueprint
Moving Forward
By this stage, you’ll have a clear view of your financial direction, how we can add value, and what your options are, including the next steps and associated costs.
You’re now in a position to decide whether you’d like to move forward together.
If you’re ready to proceed, we’ll get to work on finalising and implementing your financial masterplan.
Clarify
Before we talk about investments, we will finalise the big picture. Your own personalised financial life plan.
This brings together every aspect of your financial world, goals, values, assets, and aspirations, into one intelligent framework.
Using sophisticated modelling software, we identify where you stand, where you're headed, and how the recommendations we provide will secure your family's future.
This is your compass. The reference point for every financial decision from here on. With it, you’ll navigate life’s choices with clarity and confidence.
Construct
Once your financial plan is in place, we construct the portfolio designed to power it.
Our investment philosophy is rooted in evidence, not opinion, guided by Nobel prize-winning research and free from product bias or sales agendas.
We focus on what works: low-cost, globally diversified portfolios that prioritise fact over feeling, and optimise for long-term growth. Every decision is backed by data, not marketing: science, not guesswork.
This is evidence based investing. A disciplined, transparent approach that turns complexity into coherence.
Collaborate
Successful financial planning isn’t a one-time event, it’s an ongoing process, shaped over decades. As life evolves, so do your priorities, and having the right team beside you makes all the difference. That’s why we build enduring partnerships with our clients, offering ongoing guidance, accountability, and expertise through every chapter of your financial journey.
From personal wealth planning to business tax strategy, we bring together deep technical expertise with the emotional intelligence to coach, challenge, and support.
We listen deeply, think clearly, and advise independently. Ensuring your plan stays aligned, your portfolio stays appropriate, and your future stays on track.
A business plan, but for your personal life.
Let’s start with a conversation.
We’ll explore your goals, share initial thoughts, and outline how Mallard Wealth can help you build a plan, portfolio, and partnership that lasts.
Book a 15-minute phone, video, or in person meeting.