The Core Service.
This is our primary offering, designed for clients with investable assets over £150,000 and those seeking comprehensive financial planning.
Typical Inclusions.
1. Initial meeting.
We take the time to listen and understand your personal circumstances, goals, and requirements.
Together, we explore your current financial position, as well as the softer, more personal factors that influence and shape your financial objectives.
Through these conversations, we begin to identify your financial priorities and lay the groundwork for your personalised financial plan.
This process typically includes an initial fact-finding meeting, followed by ongoing discussions to refine our understanding and approach.
2. Analysis.
We start by analysing the information gathered during our initial meeting, along with insights from any follow-up discussions or additional meetings as needed.
Next, we conduct a comprehensive review of your financial situation and the specific areas where advice is required. This forms the basis for developing a tailored financial plan, supported by thorough product and investment research.
Our research is completely independent, we are not tied to any product provider or investment solution, ensuring that our recommendations are always in your best interests.
3. Recommendation.
Following the analysis stage, we develop a tailored financial plan based on our findings and your specific needs.
If you hold existing financial products or investments, we assess their structure to ensure they are fully aligned with your goals and requirements.
Your personalised recommendation report will include detailed cash flow modelling.
We simulate a range of potential scenarios and outcomes to help you clearly visualise how your financial plan supports your objectives, both in the long term and at each stage along the way.
4. Implementation.
Once we have discussed and agreed on how you wish to proceed, we implement and coordinate your financial plan.
This may involve further discussions and refinements to the recommendations to ensure they remain aligned with your objectives.
We also liaise with other relevant professionals such as accountants, financial product providers and investment managers to ensure a smooth and coordinated approach to delivering your plan.
5. Annual Reviews.
We monitor your financial strategy to ensure it remains aligned with your objectives. Each year, we invite you to a face-to-face review meeting to reassess your financial position and goals. If preferred, we are happy to arrange a video meeting or home visit to suit your needs.
As your circumstances evolve, your financial objectives may also change. It is important that we are made aware of any significant updates so we can adjust your plan accordingly. The annual review and accompanying report help ensure your financial strategy stays current and relevant to your needs.
6. Financial Products.
Accessing financial markets involves the use of a range of financial products and instruments.
You may already be familiar with some of these, such as savings accounts, pensions, investment funds, and specialist investments.
As independent financial advisers, we are not restricted to a specific provider or product range. Instead, we conduct thorough, unbiased market research to identify the solutions we believe are best suited to your individual needs and circumstances, using a robust and well-defined selection process.