Our process

This is where we ask you for comprehensive information on your current financial situation. We will ask for this information to be sent via our secure online portal. 

We will need full details about your income and expenditure, assets and liabilities in order to draw a full picture of your finances. We may need to write to financial institutions for more detailed information on any pensions, investments or insurance products you hold but we will talk all of this through with you before acting on your behalf.

Once we’ve collected all the data we need from you, we’ll bring all your finances together so we have a clear understanding of your full current financial situation.

We’ll then figure out how much capital you’re going to need in order to achieve your goals. We’ll work out how much you can realistically save and invest within your working lifetime. We will then assess the strengths and weaknesses of your current financial situation and measure this against your objectives, needs and priorities.

This is where we talk your plan through with you and help you see how your future could look.

We’ll make it visual using our financial planning software so that we can show you your personal lifetime cash flow forecast and make sure you understand exactly where you are now, where you’re heading in the future if nothing changes, and what could be done to improve your situation. 

We’ll show you differing scenarios that could reasonably meet your objectives, needs and priorities; and present the financial planning recommendations and the supporting rationale in a way that allows you to make an informed decision.

If there’s anything you’re not comfortable with, we can adapt the plan, but our concern is always that your best interests are served.

We will implement our recommendations only once you’re happy with the plan and take as much of the hassle away from you as possible.

We’ll look at what kinds of investments – which asset classes – have historically been most likely to produce the returns you need to achieve your goals in the chosen time frame. And we’ll also set up any products or tax wrappers that we’ve recommended. 

This is where you will benefit from our independent, unbiased and impartial advice as it means we can access the most suitable products and services across the whole market without restriction. 

We will act as your coach and co-ordinate everything for you, dealing with your lawyer, accountant and product providers where necessary.

We won’t always recommend something new. Sometimes, you may just need an expert eye to look over your existing arrangements and give you the peace of mind of knowing that someone’s keeping your existing strategy on track.

Financial planning is a long term, evolving process, not a one-off event. That means your plan becomes worthless if it fails to adapt as your life changes. 

Therefore, at this point in the journey, our work switches focus to keeping you on track as life and the world changes.

At least annually, we will review and re-evaluate your circumstances, the progress we have made towards your goals, and whether there have been any changes to your risk profile, lifestyle and objectives. 

We will then adjust your plan and update your lifetime cash flow forecast where necessary. 

Crucially, we remain available for you to contact us at any time between our planned review meetings and whenever you need our help.