Our Process.

Our initial discussion and the work carried out in the following sections; 2, 3 & 4. Will always be without any cost to you and with no obligation on your part to proceed further.

We will listen to what you want, help you articulate your financial goals and ask about your current arrangements.

This will help establish whether we can be of service to you, and if we believe we can deliver value for money. We will explain how we can help you and the costs of our services.

If you are happy with your proposed solution, then we can move to the next stage in helping you.

We will then gather as much information as possible about your current financial arrangements, personal circumstances and your attitude to investment risks.

This often involves us contacting the providers of your plans and policies to obtain up to date information on valuations, terms and conditions and benefits.

Our comprehensive discussion with you provides insight into your goals and your existing situation and helps us to tailor our financial planning process to meet your particular needs.

This includes:

The analysis of the information we gather enables us to evaluate whether your resources are working most effectively.

As part of this process, we examine the taxation and other implications when considering whether alterations to your existing arrangements represent an appropriate strategy.

This meeting will provide you with a clear view of how effectively your current arrangements are leading you towards the financial milestones and lifestyle you wish to achieve.

Our discussion will establish both the potential for making changes designed to improve the probability of achieving your goals as well as your attitude and commitment towards making changes required.

Our proposed portfolio construction will be based on our impartial, expert opinion and take into account your attitude to the relationship between risk and reward.

We will present to you and discuss our advice and agree any actions you wish to take. We can arrange all necessary steps to ensure your decisions are implemented thoroughly, accurately and in a timely fashion.

The reasons for our recommendations and the actions you decide to take as a result of our discussions will be confirmed in writing, giving you a permanent record of the advice you received.

We will then:

The financial planning process is not a “one-off” event. We believe regular review meetings are the only way we can keep each other up to date with developments in your circumstances and other factors influencing the progress and performance of your plans.

In between meetings you will have access to our team whenever you have any queries. We will also make contact if we have news or ideas relevant to your strategy.