At ARA they do personal financial planning. Face to face. They are owned entirely by staff and a number of small accounting firms. They have no affiliation with any other financial institution, bank, life office or fund manager. They like to keep things personal. They have developed their own products and services specifically for their clients and don’t sell other bank or institution’s products. They neither receive nor pay commissions connected to their products. Indeed, everyone at ARA use the same products themselves and pay the same price. If it’s good enough for you then it’s good enough for them. They also believe that companies with strong governance who consider the environmental, social and governance (ESG) risk of their business make for better long-term investments. To this end, they have crafted their products to favour investments that provide ongoing and sustainable economic growth. They all sleep well at night.