About our services

Our financial planning service consists of four interlinked stages to ensure our clients have clarity with their finances, high quality advice and ongoing value.

INITIAL STAGE

We will arrange a consultation with a Chartered Financial Planner held at our expense so we can understand your current financial situation, ambitions and goals in order to provide clarity on how you want your finances to work now and in the future.

At this stage we will agree your financial objectives along with the services we will provide and the costs for these.

Most clients look to utilise our lifestyle planning service as it encompasses the whole of their finances. However some clients prefer to focus on one or two areas they want advice specifically in and therefore bypass the planning stage and move onto the advice and implementation stage.

PLANNING

Once we have understood your situation and goals we gather detailed information from your existing product providers.

At this stage we input your details which we have gathered from you and your existing product providers into our software and analyse this information. This creates a year by year account of your inflows and outflows and gives us a comprehensive lifetime cash flow analysis.

We will then meet to run through the information establishing your net worth, provide the cash flow analysis helping you answer the major questions in your life. This enables us to create your bespoke and comprehensive financial plan which will require ongoing monitoring and adapting.

ADVICE & IMPLEMENTATION STAGE

We will look at the shortfalls (‘gap analysis’) between your current situation, your goals, and the plans you have in place and analyse the options open to you. This is done through comprehensive research and by reviewing the whole of the market to find solutions available that will help you achieve your goals.

At the advice meeting we present our recommendations to you in an open, easy to understand manner and without the use of jargon. We will discuss each option, the advantages and drawbacks with each one, and then recommend the most appropriate solution for you.

Once you are happy and completely comfortable with our findings we will put in place the relevant structures or products by liaising with the appropriate providers or investment manager for you.

REVIEW STAGE

Finally, we offer a choice of ongoing review services depending on how much contact and service you require so you don’t pay for something you don’t value.

We agree what services we will perform for you and the cost of these so there is complete transparency and clarity for you.

Having ongoing contact and service helps you monitor progress towards your financial objectives and ensure your plans are on track in case there are any changes to your situation, the industry, or in the event of any new legislation being enforced. This will provide you with the peace of mind and the freedom to concentrate on other areas of your life.