Financial Advisory

The Financial Advisory service provides professional advice not limited to investing but also to provide guidance on how you should allocate current and future resources, given your goals, financial obligations, lifestyle and time horizon. In consultation with your personal advisor, you may choose the specific services you require.

Financial “Know How”/Literacy

Your financial literacy is an important part of your financial tool kit for securing your future.

Goal Planning

We provide personalized advice to assist you in determining how to invest current assets and future savings based on identified financial goals, your current appetite for risk and your current financial position. This area would include individualized advice to customers in formulating plans for:

  • Home Ownership
  • Education Financing
  • Major Asset Acquisition
  • Medical Emergencies
  • Retirement
  • Vacation
  • Managing Personal Risks

Our discussion around Goal Planning will take into account your specific life-cycle situation.


Preparing and reviewing your budget is very important. We will guide you in the preparation of a personalized budget, which allocates your personal income towards expenses, savings, investments and debt repayment.

Retirement Planning

Taking your retirement needs into account from an early age can put you comfortably in the driving seat when you retire. We will provide you with the information and tools needed for establishing and reviewing retirement goals, while developing investment strategies with the objective of maintaining financial security and stability throughout the retirement years.


Protecting yourself and your assets should be major considerations in securing your financial future. Our insurance advisory service will enable you to have a good understanding of insurance instruments as a risk management tool that attempts to eliminate, minimize, or transfer the risk associated with key lifecycle events.

Wealth Creation & Enhancement

Securing your financial future will require investing in the appropriate portfolio of securities such as stocks and bonds. Our UTC suite of funds will provide the foundation for all your savings and investment needs. We will advise you on the best portfolio mix that fits your risk tolerance and lifestyle constraints.