Discovery
During our initial discussions, we want to learn all about you; your reasons for seeking advice, your needs, your concerns, and the ideal outcome you hope to achieve. Whether you’re aiming for a specific goal or looking to maintain your current lifestyle, we’re here to help.
In this conversation, we will explain the full range of solutions we offer and explain how we are paid. This no-obligation, no-cost meeting is the perfect opportunity for us to get to know each other and determine if we’re the right fit to work together.
Analysis
Providing you are ready to take action, the next step is to understand your full financial position, which includes income, savings, living expenses and liabilities.
We will need to gather data from you, along with obtaining any policy or investment information directly from each provider. This enables us to gain clarity on where you are and understand all possible options available to you. This part is essential and allows us to build a financial blueprint to start from.
Evaluation
After reviewing all the information gathered, along with understanding your goals and objectives, we will then hold a detailed discussion while understanding your views around investment risk and capacity for loss.
This is then analysed to determine your required asset allocation for investment, pension and lifestyle goals. During this stage, we may touch on potential suitable solutions, with a view of helping you address your concerns and plan towards your goals or lifestyle objectives.
Research
After you’ve agreed, we will research solutions and start to create your financial plan. Each of the goals and objectives you have highlighted will be addressed with a solution identified for each.
Depending on the service you require, this could include a comprehensive financial plan using cashflow software, a detailed analysis of provisions available or formulating recommendations for consideration within a financial planning report.
Plan
After completing the research, financial plan, and recommended solutions, we’ll meet again to outline our proposed course of action. We’ll record all the solutions recommended to support your goals and lifestyle objectives.
If needed, we’ll also coordinate the process with other professionals, such as accountants, solicitors or investment managers you may receive advice from.
Implementation
Finally, we process and submit the required paperwork and liaise between all parties. We keep you informed every step of the way until everything is fully implemented.
Your financial plan is a dynamic, ongoing process that requires continuous re-evaluation and monitoring. Likewise, any investment, retirement or estate planning solution will need to be reviewed annually to ensure ongoing suitability.