How we work

Our role as your financial planner is to help you gain clarity over your future.

This process uses a variety of skills and knowledge, including:

Technical knowledge of areas such as tax and pensions

Investment management

Coaching skills – to help you better understand your own objectives and your motivations

Financial forecasting – putting those objectives and motivations into numbers. What could your future look like?

Applying a rigour – we like to joke that we meet clients at least once a year whether they like it or not!

Stage 1

Getting Organised

We understand that most people aren’t always as financially organised as they could be. Often new clients arrive with a bag full of paperwork and unopened envelopes.  We help you get clarity on your current financial position so that you are able to make the next step in the financial planning process.

Helping with a more organised filing system

Getting set up with the Personal Finance Portal.

Stage 2

Exploring the Possibilities

Now that you are organised and have clarify over your current financial position we then help you imagine what possibilities the future could hold.

By asking you the right questions and using our skills we help you to:

  • Visualise where you would like to be at certain stages in your life
  • Work with you to set realistic targets
  • Plan the financial actions and activity required to achieve these goals

Stage 3

Brainstorm Strategies & Analyse Tactics

We investigate your existing pensions, investments, protection policies, and consider whether these are structured in accordance with the objectives we uncovered in stage 2.

We’ll also consider their suitability for you, taking into account factors such as your:

  • Attitude to risk
  • Capacity for loss
  • Knowledge and experience in investing
  • Current tax position

Stage 4

Demonstrate Recommendations & Prioritise Implementation

Using the information, we have gathered during stages 1 & 2, along with our financial forecasting, we will:

  • Compare where you are now with where you want to be
  • If needed, amend the objectives to ensure they are realistic
  • Provide recommendations for appropriate products and investments, including changes to existing where appropriate
  • Incorporate appropriate tax implications
  • Put forward a plan which takes you from today to achieving your objectives

Stage 5

Implementation of your Financial Plan

Presenting the proposal is just the tip of the iceberg. Implementing the proposals is undertaken with the same meticulous attention to detail, meeting the exacting Compliance standards of the FCA.

Stage 6

Ongoing Monitoring & Review

We believe an Annual Planning Meeting is is arguably the most important meeting we will have with you. At least once a year we sit down with you to update your Financial Master Plan with a year’s worth of reality in order to assess your progress towards the objectives. We’ll hear about any changes which might affect the plan, and review what has been set up and how it is performing.

We believe that financial planning is a dynamic process and in order to meet your life goals you need ongoing coaching and support. It’s not something that you can do once and forget about. Most of our clients join our Financial Coaching programme so that we can work together over the long term to ensure that your plan stays on track and we are able to adjust your plan to meet the changing circumstances of your life.

Once you join our programme you will receive the following:

Annual review meeting with your adviser

This is a face to face meeting where we undergo a complete review of your Financial Life Plan. We will discuss any changes to your circumstances that would affect your plan and make adjustments accordingly. We will revisit your life planning, cashflow modelling and existing situation in detail.

Access to your adviser

You will be able to access your adviser for advice and coaching throughout the year as and when required. However, we will be pro active with you if we feel there is something new you need to know or do.

Progress Report and Action Plan

After each annual review meeting you will receive a revised Financial Life Plan with a progress report for the last 12 months and an action plan for the next 12 months.

Wealth management

We will monitor and advise you on all aspects of your investment strategy to ensure you remain on track.

Online access to your information

You will be provided with a private login that you can use to access your information whenever you require.

Latest News

Final countdown to the end of the tax year

You may have seen lots of literature already about the end of the tax year. But... 4th March 2020

Time to spring clean your finances

The daffodils and crocuses are beginning to appear, the trees are blossoming... 4th March 2020

What our customers say

I would like to express my appreciation of the excellent information as well as the time investment you have provided which have helped me to make informed decisions... Your advice and willingness as well as your patience have enabled me to fully understand the choices I can make.

I would like to express my appreciation of the excellent information as well as the time investment you have provided which have helped me to make informed decisions... Your advice and willingness as well as your patience have enabled me to fully understand the choices I can make.

I have been a client of the Financial Advice Company for over 5 years and in all of that time I have found the advisors and their administrative staff both courteous and helpful.

The tool used to demonstrate different financial scenarios is fabulous to help plan my future savings and more importantly my future spending!

Professional, personal and a friendly service… Prepared to listen and discuss my requirements in depth…. I can highly recommend all the team at The Financial Advice Company, for looking after my interests for my future and for my family’s future.

Ben is always extremely courteous and professional taking the time to listen to my changing financial needs. The advice he gives has always been reassuring and has helped me enable my financial plans with my needs always at the forefront. I would highly recommend Ben and his team to provide a true client centred and professional service.

We particularly value the future projections of our financial position. We consider that this helps to plan sensibly for the future particularly taking into account age and health prospects and provides reassurance as to a secure financial future.

Please read our Privacy Policy

Clever Clogs
Here to Help