How We Work
You’ll get our assistance to review your current and projected financial situation leading to a realistic assessment of your likely needs. For this, you’ll need to set aside some time to talk to us - the first consultation at our expense. There’s no charge, and no obligation, while we find out how best we can work together.
Depending on your instructions we will then carry out a more detailed needs analysis based on your current situation, and taking into account any specific plans and/or targets you may have. We will then advise you, regardless of whether your objectives are specifically short term or perhaps on a retirement or lifetime perspective.
All our recommendations take account of the financial products you have already put in place. We advise where your financial arrangements are already sound, where they’re inadequate and where you are particularly exposed to financial risk. When a number of different actions are recommended, you’ll also have our help in deciding your priorities. And of course, our recommendations will be sensibly balanced in relation to your current income and future prospects.
In almost all cases we are able to obtain terms or gain access to products which clients would be unable to do for themselves. All our proposals will be fully explained, set out in a written report and costed so that you’ll have full information before deciding on a course of action.
The planning process should not be a single event. We believe regular review meetings are the only way we can keep each other up to date with developments in your circumstances and other factors influencing the progress and performance of your plans. In between meetings you will have access to our team whenever you have any queries. We will also make contact if we have news or ideas relevant to your strategy.
Introducing a seven stage financial planning process
- 1) Identify your needs and goals
- 2) Gather Information
- 3) Prepare an Analysis
- 4) Develop a Plan of Action
- 5) Implement the Plan
- 6) Monitor your Progress
- 7) Regular Review Service
Your home/property may be repossessed if you do not keep up repayments on your mortgage. To understand the features and risks of an Equity Release Scheme. Ask for a personalised illustration. There may be a fee for the Mortgage/Equity Release advice. The precise amount will depend upon your circumstances but we estimate it will be 0.35% of the amount borrowed (e.g. on a £150,000 this would be £525), this is subject to a minimum fee of £495.
The Financial Conduct Authority does not regulate Tax Planning, Will Writing and some forms of Mortgages.