Services
We provide comprehensive financial planning across seven key areas. Each service is designed to work together as part of your integrated life strategy.
Cash Flow Planning
What It Is
Cash flow planning is about understanding where your money comes from, where it goes, and whether it’s working in service of your goals. It’s the foundation of all financial planning.
Why It Matters
You can’t build wealth or make smart decisions without knowing your cash flow. Most people underestimate their spending or don’t realise where inefficiencies lie. Cash flow planning brings clarity to your financial life and shows you what’s possible.
How CWP Approaches It
We use Xplan by Iress to model your income, expenses, and lifestyle in detail. You’ll see—visually—how your cash flow works today and what it might look like under different scenarios. We then help you optimise your spending and allocate resources towards what matters most.
How Partners Integrate
Xplan gives us the modelling tools. Discovery Bank, Vitality Money and the Vitality Money Financial Analyser create a complete picture of your cash flow.
Risk Planning
What It Is
Risk planning is about protecting what matters most: your income, your family, and your future. This includes life cover, disability cover, critical illness cover, and income protection.
Why It Matters
Life is unpredictable. If something happens to you, your family needs to be protected. Risk planning ensures that your loved ones are financially secure, even if you can’t be there to provide for them.
How CWP Approaches It
We calculate your actual needs—what your family would genuinely require. We design risk cover that fits your life stage, responsibilities, and financial position. No over-insurance, no gaps.
How Partners Integrate
Discovery Life provides comprehensive risk solutions with flexibility and behavioural incentives through Vitality. We structure your cover to integrate with your broader financial plan, ensuring everything works together.
Investment Planning
What It Is
Investment planning is about building wealth over time in a way that aligns with your goals, risk tolerance, and timeline. It’s not about chasing returns—it’s about building with intention.
Why It Matters
Inflation erodes cash savings over time. To build real wealth, you need to invest. But investing without a plan—driven by emotion or headlines—often leads to poor outcomes. Strategic investment planning keeps you on track.
How CWP Approaches It
We design an investment strategy based on your goals, timeframe, and capacity for risk. We use evidence-based asset allocation, diversification, and regular rebalancing to keep your portfolio aligned with your plan. We don’t chase fads or make emotional calls—we stick to the strategy.
How Partners Integrate
Discovery Invest and Cogence give us the tools to implement and monitor your investments effectively.
Retirement Planning
What It Is
Retirement planning is about answering the big question: will I be okay? It’s about knowing whether you’re on track, what adjustments might be needed, and what your retirement could actually look like.
Why It Matters
Most people have no idea whether they’re saving enough for retirement. They hope it will work out, but hope isn’t a strategy. Retirement planning gives you certainty—or at least clarity about what needs to change.
How CWP Approaches It
We model your retirement using real numbers: your current savings, contribution rates, expected lifestyle in retirement, and life expectancy. We show you different scenarios and help you understand what’s achievable. If adjustments are needed, we help you make them.
How Partners Integrate
Through Discovery Invest and Cogence, we have the full suite of tools that give you a clear picture of your retirement future, and help you realize it.
Tax Planning
What It Is
Tax planning is about structuring your financial affairs in the most tax-efficient way possible. It’s not about avoiding tax—it’s about not paying more than you legally need to.
Why It Matters
Tax is one of the biggest drags on wealth creation. Small inefficiencies compound over time. Strategic tax planning means you keep more of what you earn and grow wealth faster.
How CWP Approaches It
We look at your entire financial picture and identify opportunities for tax efficiency: retirement contributions, investment structures, estate planning, and more. We work with tax advisers when needed to ensure everything is optimised and compliant.
How Partners Integrate
Our network of tax advisers helps with complex situations. We coordinate everything to ensure your tax planning is part of your broader strategy.
Estate Planning
What It Is
Estate planning is about making sure your wishes are clear and your loved ones are looked after when you’re no longer here. It includes wills, trusts, beneficiary nominations, and estate duty planning.
Why It Matters
Without proper estate planning, your assets may not go where you intend, and your family may face unnecessary tax, delays, or disputes. Estate planning gives you control and gives your loved ones peace of mind.
How CWP Approaches It
We review your current estate plan (or help you create one if you don’t have one). We ensure your will is up to date, beneficiaries are correct, and structures like trusts are used appropriately. We coordinate with attorneys to ensure everything is legally sound.
How Partners Integrate
Discovery Wills and Trust structures simplify the process. Their legal network drafts and reviews wills and trusts. We bring it all together to ensure your estate plan is comprehensive and current.
Wellness & Lifestyle Planning
What It Is
Wellness and lifestyle planning recognises that financial planning should support the life you actually want to live. It’s about aligning your finances with your values, health, and long-term wellbeing.
Why It Matters
What’s the point of accumulating wealth if it doesn’t support a life you enjoy? Wellness and lifestyle planning ensures that your financial strategy serves your wellbeing, not the other way around.
How CWP Approaches It
We incorporate lifestyle goals into your financial plan from the start. Want to work less and spend more time with family? Planning a sabbatical or career change? We model these decisions and show you what’s possible. We also leverage Discovery Vitality to incentivise healthy behaviour.
How Partners Integrate
Discovery Vitality rewards healthy living with tangible benefits. We long to design plans that support not just your wealth, but your wellbeing.
Ready to Get Started?
Every service we offer is designed to work together as part of your integrated life strategy. Book a clarity session and let’s design a plan that actually fits your life.