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Your advice journey

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Expert planning for your financial future

Financial planning is a very personal matter. No two people have identical circumstances, ambitions or needs. What’s more, needs often change over time and everyone’s financial situation is different. The financial plan we produce for you is also unique and individually tailored to suit your particular needs. So how do we develop a financial plan specifically for you?

We follow a financial planning process which has been carefully designed, with six important steps. We then make sure that you know exactly what’s happening at every stage as the process develops.

Step 1. Identify your needs and objectives

As a first step we will arrange an introductory meeting. We explain fully how our service works, discuss your financial needs and objectives then answer your initial questions. Only by understanding what you wish to achieve with your money will we be able to make recommendations, this is a crucial first step. By hearing how we work with our clients you will have the opportunity to make sure that our service will be of value to you. This initial consultation is at our expense.

Step 2. Gather Information

If it is agreed that you could benefit from our service, we will go into much greater detail with you. We will start by looking at your existing arrangements to ascertain how effective they are in helping to meet your objectives. In most circumstances we will need to obtain further information directly from the providers.

We also need to understand the levels of your investment knowledge and your attitude and tolerance towards investment risk. At the same time we will gather detailed financial information from you to provide us with a comprehensive picture of your financial position.

Step 3. Prepare a Report

Once all of the necessary information has been received we will prepare a report. This written report will be specific to your requirements, either one or more specific areas of need or a complete financial planning review. It will identify any areas where it is felt your existing financial arrangements could be more effective and/or do not meet your objectives. We will also comment where you have no plans in place to achieve your stated objectives.

Step 4. Recommendations

We will now take further instructions on how you wish to proceed. With a full understanding of your circumstances and existing arrangements we are now able to research suitable solutions and make appropriate recommendations. These recommendations will include specific investment products or insurance policies and might involve changing existing investments or filling gaps with new financial products designed to achieve your stated objectives. We will also include the prices at which these can be arranged. This report sets out specific and realistic recommendations, both in the short and longer term.

We are independent and impartial in our recommendations, which mean any product solutions we recommend are researched thoroughly and selected from the whole of the market.

Step 5. Policy arrangements and implementation

Once we have agreed a course of action with you, we will liaise between you and the product provider to put in place any recommended new policies or make amendments to existing arrangements.

Step 6. Ongoing review service

In our experience, the best financial plans are those that are reviewed regularly and kept on track to achieve your objectives, however, your financial objectives may change over time due to changes in your lifestyle or circumstances. We believe it is essential to monitor your ongoing position to ensure that your policies continue to meet your requirements.

Our ongoing review service includes an annual face to face client meeting which includes a review of the following areas:

  • Objectives
  • Risk profile and tolerance
  • Tax changes, changes to circumstances
  • Income and expenditure
  • Policy contribution levels
  • Updated portfolio valuation
  • Liaison with accountant/solicitor (if required)
  • Confirmation of the continued ongoing suitability of the clients investments
  • Provision of a personal recommendation
Our advised clients benefit from annual reviews, which we use to provide useful updates about how your investments and plans are performing. We’ll check that they remain appropriate for you and make changes, if needed, to keep you on track.
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WE’RE WITH YOU EVERY STEP OF THE WAY

They say, ‘money makes the world go round’. We prefer to say, ‘people make the world go round’. Your life, your hard work, your hopes, your dreams. Every step of the way, we’ll be there.

It’s our goal to help you build you a financially secure future.

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30+
YEARS OF FINANCIAL EXPERTISE

We’re financial advisers with a difference.

With over 30 years of experience, our role is to provide you and your family with the financial confidence to live life however you want to, now and in the future.

We help to create the financial confidence, you create the memories.

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OUR FINANCIAL ADVICE SERVICES

Our financial services are designed to put you first and determine the most effective way to achieve your goals. It’s expert financial advice unique to you.
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Financial Planning

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Inheritance Tax

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Retirement Planning

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Protection Planning

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Investment Planning

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Mortgage Planning

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START YOUR JOURNEY WITH US TODAY

We understand that financial planning can be complex, if not daunting. Our goal, together with you, is to help guide you to a secure financial future, allowing you to confidently enjoy today, and tomorrow.

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WHAT OUR CUSTOMERS ARE SAYING

Happy clients are the bedrock of any business and ours is no exception.

From our first meeting over 15 years ago the advice and the steps taken to achieve my goals were second to none. I can’t be more pleased with the progress made with all my investments.

 

 

Stewart (May 2024) 

 

David had been extremely helpful his advice had been invaluable. He is a true professional he works hard to seek the best possible outcome for his clients.

 

 

Hilary (May 2024)