In order to point you in the right direction, we have to learn as much as possible about you. The more we know, the better we can help. Some of the things we try to learn include:

• Your overall financial circumstances
• Your immediate financial needs
• Your long-term objectives, such as income, safety, growth or tax protection
• Your loan-to-value requirements
  
• Your attitude toward risk and return
  
• Your preferences toward geography or asset class

Learning about you is perhaps the most critical step of the process, as it provides the foundation for all of our recommendations.