How we work

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.

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

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

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

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.

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.