Our Process

Initial meeting

Your journey starts with a no-obligation meeting, at our cost. It’s a chance for us to get to know each other, understand your financial goals, and explore how we can help.

You’ll learn about the services we offer, how we work, and the costs involved – so you can decide if we’re the right fit for your financial future.

Engaging our services

After an initial meeting, you may wish to take some time to decide whether you need independent financial advice. If so and if you decide we are the Chartered Financial Planners to provide it, we will send you an engagement letter BEFORE we complete any chargeable work.

We will set out:

1. The scope of work to be undertaken
2. Details of any documents or further information we need
3. The costs associated with the work
4. The timescales in which the work will be completed in

Information gathering

Once you’ve chosen to work with us, we’ll arrange a convenient time to explore your current circumstances, your future plans and discuss any existing arrangements.

We will have an in-depth discussion with you about your financial priorities and your objectives. Your approach to investment risk is important to us as well as any areas of need you have perhaps previously not considered.

We talk you through the range of planning options open to you and how you could achieve the financial position you desire.

Developing the financial plan

We take all of the information we have gathered, taking time and care to develop our recommendations for you so that you are able to secure your financial future. This would include undertaking any necessary product research, from the whole of the marketplace.

This could also include personal “cashflow modelling” scenarios to look at the likely sustainability of your assets over your lifetimes and some ‘What If?’ scenarios to ‘stress test’ your financial plan.

As we are completely independent and we hold some of the highest qualifications possible of any financial advisers in the industry, you can be absolutely confident that the recommendations we make will be the ones that are in your best interests. We will provide all of our advice and proposed actions in a written report.

Implementing our recommendations

Once you’ve received your financial planning report, you’re likely to have some questions, and the best way to answer these is in person. We will invite you to meet us again to discuss any queries you may have. You will have as much time as you need to consider the proposals and ask any questions you may have before we implement our recommendations for you.