Finwise

How the Method Works

A clear sequence from your first question to a working plan. Each step has a defined purpose, and you will always know what happens next and what is expected from you.

Step 1

Initial Review

We start with a short questionnaire about your income, expenses, existing savings and goals. No account access is needed at this stage, and the review takes about 20 minutes.

Step 2

Document Check

You share recent statements, tax summaries and any pension or super details. We use these to map your current position and spot gaps in coverage or contributions.

Step 3

Scenario Planning

We model two or three realistic paths: conservative, balanced and growth-oriented. Each scenario includes fee assumptions, inflation estimates and a clear risk note.

Step 4

Draft Plan

You receive a written plan with specific actions, suggested contribution levels and a timeline. Nothing is executed until you confirm each line item.

Step 5

Review Session

We walk through the draft together, answer questions and adjust the plan based on your comfort level. This session is recorded and shared with you for reference.

Step 6

Follow-Up Schedule

After implementation, we set quarterly check-ins to review progress, rebalance if needed and update the plan as your situation changes. You can pause anytime.

Each step is optional except the initial review. You can stop after any stage, and you will never be asked to commit to a product or fund during the process. For more about how we operate, see company or contact.

How the Finwise method takes shape

A practical sequence of steps, from the first balance sheet to a reviewable long-term plan. Each stage has a clear output and a realistic time frame.

Month 1 — Baseline review

We collect statements, tax summaries, and any existing pension or brokerage accounts. The output is a single net-worth figure and a list of cash-flow leaks.

Month 2 — Risk and horizon mapping

Using a short questionnaire and a conversation about goals, we set a target asset allocation. This is not a prediction; it is a boundary for future decisions.

Month 3 — First portfolio draft

We build a low-cost ETF and index fund skeleton, with a specific emergency reserve. The draft is deliberately simple, so you can understand every holding.

Quarter 2 — Implementation and automation

We set up regular contributions, dividend reinvestment, and a rebalancing calendar. Most clients automate at least 70% of their monthly savings.

Quarter 3 — Tax and structure check

We review which accounts (super, ISA, taxable) hold which assets. The goal is to reduce tax drag without changing your long-term strategy.

Year 1 — Review and reset

We compare actual spending and contributions against the plan, adjust the allocation if life changed, and set a clear agenda for the next twelve months.