Our Financial Advice Process

We follow a clear four-step process to help you make informed financial decisions and keep your plans on track over time.

Step 1: Consultation

We start by getting to know you, your goals and your financial situation.

During this stage we will:

  • Discuss your financial objectives and priorities

  • Understand your timescales and future plans

  • Assess your attitude to investment risk and capacity for loss

  • Review your existing financial arrangements

  • Gather the information needed to provide suitable advice

  • Agree how our services will be paid for

  • Create a financial plan where appropriate

We won't move forward until we fully understand your circumstances and have agreed the scope of work and charges with you.

Step 2: Personalised Advice

Once we've completed our fact-finding, we'll research the market and develop recommendations tailored to your needs.

This includes:

  • Reviewing your current financial arrangements

  • Researching suitable products and providers

  • Developing an investment or financial planning strategy

  • Explaining the benefits, costs and risks of any recommendations

  • Providing a written Suitability Report that explains why the advice is appropriate for you

Our recommendations are based on your objectives, circumstances and risk profile.

Step 3: Implementation

After you've reviewed and accepted our recommendations, we'll help put the plan into action.

We will:

  • Complete and submit applications

  • Liaise with product providers

  • Monitor progress through to completion

  • Ensure all documentation is issued correctly

Before proceeding, you'll have the opportunity to review and approve all recommendations and paperwork.

Step 4: Ongoing Review & Support

Financial planning is not a one-time event. If you'd like ongoing support, we can regularly review your plans and make sure they continue to meet your needs.

Our ongoing service can include:

  • Regular review meetings (at least annually)

  • Reassessment of your financial circumstances

  • Updated risk-profile assessments

  • Reviews of investment performance

  • Checks that your investments remain suitable

  • Identification of new opportunities or goals

  • Written review reports

  • Ongoing access to your adviser

If your circumstances or objectives change, we can revisit the advice process and provide updated recommendations.

Read more about how we work with you and our services by viewing our Personal Client Agreement