What We Do

Find out how we work with you to build a plan tailored to you

  1. Financial Planning - Getting to know you…

2. Advice - Closing the gap and optimising your assets

3. Implementation - Turning planning into action

Financial Planning

As things stand, what does the future look like for you? What don’t you know?

    • Discover & understand your objectives, hopes, concerns, preferences, idiosyncrasies, past experiences etc

    • What does good look like to you?

    • Income

    • Spending

    • Assets

    • Debts

    • Future Changes

    • Attitude to Risk - How do you feel about investing?

    • Capacity for Loss - How much can you afford to invest?

    • Show you where the money is coming from & when

    • Show you shortfalls or excesses and when

    • Visualise the plan to make it easier to understand

    • Pensions, ISAs, Investments, Savings - are they working as well as they could be?

    • Should you keep the plans? Adjust them? Change them?

    • De-mystifying markets

    • How do Pensions / ISAs / Investments work?

    • What risk really is

Advice

What should you / could you do about it? How do you get to where you want to be?

    • Pension Contributions

    • ISA allowances

    • CGT allowances

    • Inheritance Tax Planning

    • Investing in the right funds for you

    • Getting excess cash invested

    • Can you reduce the costs so you keep more of the growth

    • Making sure you have enough and the right type of life and illness cover

    • Ensuring your financial plan is protected for you and your family

    • Making you aware of what could go wrong and how to deal with it.

Implementation

What we will do to turn the planning into reality

    • Talk you through our recommendation - which plans need to move and why, what the risks are, what the costs are

    • Answer questions - if you’ve got questions about the plans or recommendation, we’re here to answer them

    • Provide you a written suitability report - everything you need to know in one place. Take it away to read to ensure you’re happy to proceed with the recommendation

    • Annual meetings to review the plans

    • Liasing with product providers for information and to instruct the movement of money and funds

    • Ensuring the money is in the right place, your accounts are set up correctly, and keep you informed of the progress

    • Record keeping - building out your client records, keeping records of transactions and recommendations

    • Handling processing and queries - we try and remove the burden from clients by handling queries from product providers and our network, and make it as easy as possible for you to complete transactions and access your investments

    • Regulatory upkeep - ensuring we adhere to the regulatory requirements set out by our network and the FCA