For us financial planning is about more than just the money. It’s about understanding what’s important to you and then creating and managing a financial plan that is focused on helping you achieve what you want out of life.
Most of our clients don’t have the time, and often the inclination, to manage their income and wealth in a way that helps them achieve the goals in life that are most important to them. It is our role to help you achieve these goals in the best way for you.
Planning your finances is a complex business, which is why we see it as one of our primary responsibilities to provide you with a clear process for the way we work with you.
From the very start we’ll make sure we clearly communicate how we operate and, on an ongoing basis, we’ll keep you updated and in touch with how your financial plan is progressing.
Stage One: Initial meeting
The initial meeting is a chance for us to get to know you, providing you with an introduction to who we are and how we work. We’ll explain all about the fees for our services and we’ll listen to you explain your current situation, where you would like to get to and any concerns you have along the way. The meeting is carried out completely at our expense and, at the end, should give us each an idea of whether we’re the right advisory firm for you.
Stage Two: Discovery Meeting
It’s important that we clearly understand your current financial position and to this end, we use the discovery meeting to gather detailed information. We’ll talk about your approach to your money, your priorities and your short and long term requirements and we’ll gather all of the appropriate documentation from you so that we can create a full picture. This is a crucial stage in our process as it will form the foundation for our advice.
Stage Three: Strategy Presentation
We’ll spend time closely analysing all the information gathered during the first two stages of our process so that we can begin to formulate a bespoke financial strategy for you. Our analysis will be aligned to your goals and be specific to you. Every client situation is different and we will build a plan that is tailored to your needs and circumstances.
Stage Four: Checkpoint
Having established the best route to achieving your goals and having put together your financial strategy, we’ll run through this with you. This is an important stage where we will discuss the financial plan in detail and make any amendments. We will also look at ‘what if’ scenarios. The sophistication of our planning process and the tools we use means that we can forecast future scenarios, helping you to make the right decisions now in order to achieve your goals.
Stage Five: Implementation
Having agreed your financial plan we’ll then put in place the best structure and products that will help make the plan become a reality.
As fee based independent advisers we’re able to select any product from across the whole market without any bias.
Stage Six: Ongoing Review
As you, your family and your circumstances change and grow, your goals and timescales may change along the way. Your financial plan should be able to change with you, which is why we carry out regular reviews, a minimum of annually, to make sure your plan is still suitable and relevant. It’s at these review meetings we’ll review investment performance, we’ll also discuss any new goals with you and make changes to your financial plan as appropriate.