A written plan.
Informed decisions.
Financial planning links your situation today to your goals tomorrow: how much to save, where to invest, which risks to accept and when to review.
From the first question
to the annual review.
- 01
Define the relationship
Free first conversation, then an engagement letter: scope, fees, confidentiality and timeline.
- 02
Gather information
Income, spending, assets, debts, goals, horizon and risk profile.
- 03
Analyse the situation
Budget, emergency fund, saving capacity and the gap to close for each goal.
- 04
Recommend a plan
Written plan: priorities, asset-class allocation, scenarios and points to watch.
- 05
Implement
You decide and execute with your broker, bank or insurer. We help you prepare those conversations.
- 06
Review and adjust
Annual review or after a life change: birth, relocation, inheritance, retirement.
Your whole situation,
not just your investments.
Budget & saving
Saving capacity, emergency fund and debt management.
Dated goals
Retirement, education, home, starting a business: amount, date, monthly effort.
Asset allocation
Target split between cash, bonds, mutual funds and equities based on your profile.
Retirement
Estimate of the top-up needed beyond your basic pension.
Protection
Identifying protection needs; policies are bought from a licensed insurer.
Estate
Questions to prepare with your notary to protect your family.
Choose your level
of support.
Financial check-up
To clarify your situation and priorities.
- Discovery meeting (60–90 min)
- Budget, emergency fund, debt
- Documented investor profile
- Written diagnosis and 3 priorities
Comprehensive financial plan
For several goals to fund over time.
- Everything in the check-up
- Plan per goal: retirement, education, home
- Target asset-class allocation and scenarios
- Dated action plan and presentation meeting
Annual review
To keep your plan up to date.
- 1–2 reviews a year
- Updated projections and allocation
- Email questions between reviews
- Premium access to research and training
Fee-only: no commission, no brokerage or management-fee rebates. The exact amount appears in the engagement letter, in FCFA, EUR or CAD.
What you
receive.
- Engagement letter signed before any work.
- Summary of your situation and risk profile.
- Written plan with explicit assumptions (inflation, return, horizon).
- Dated action plan: who does what, and when.
- Presentation meeting and answers to your questions.
What is a financial plan?
A written document that links your situation (income, spending, assets, debts) to your dated goals, with a savings plan, an asset-class allocation and actions to take.
How much are your fees?
Each package has a flat fee quoted in writing before any commitment. The first 20-minute conversation is free. We receive no commission on products.
Do you manage my money or securities?
No. You keep your accounts with your broker, bank or insurer. You decide and place your own orders. We never receive funds or securities.
Will you tell me which stocks to buy?
The plan sets an asset-class allocation (BRVM equities, mutual funds, bonds, cash) suited to your profile. Personalised recommendations on specific securities will only be offered once the AMF-UMOA licence is granted.
I live outside WAEMU. Can you help?
Yes for financial planning and education, by video call. The rules of your country of residence may limit some advice; we tell you at the first conversation.
Application for an investment-adviser licence (Conseil en investissements boursiers) under review by AMF-UMOA. Until it is granted, our services cover financial planning and education, without personalised recommendations to buy or sell securities.
Investing involves a risk of capital loss. Past performance and projections do not guarantee future results. Check that a broker is licensed on amf-umoa.org before opening an account.
Ready to put
numbers down?
Start with a financial check-up. You will know where you stand after one meeting.