How Our Advice Process Works
Initial consultation
We will usually meet with you by telephone, video call or face to face for approximately 30–45 minutes. During this meeting we will discuss your objectives and gain an understanding of your current financial circumstances.
We will also explain the services we can provide and outline any fees clearly and agreed before any chargeable work is carried out. There is no obligation to proceed.
Fact finding
If you choose to proceed, we will gather detailed information about your personal circumstances, objectives and existing financial arrangements, including your attitude to investment risk.
Where relevant, we will contact your existing providers to obtain up-to-date information on your current plans, benefits and valuations.
Evaluation
Using the information collected, we assess whether your existing arrangements remain suitable and whether they are working effectively towards your objectives. We also consider taxation and other relevant implications as part of this assessment.
Recommendation
Where appropriate, we will provide clear and personalised recommendations based on your circumstances and objectives. We will explain how your current arrangements compare with your goals, outline any proposed changes, and discuss the potential benefits and risks before you make any decisions.
Ongoing monitoring and reviews
Financial planning is not a one-off exercise. Regular reviews allow us to keep your plans aligned with your changing circumstances, objectives and market conditions.
Between reviews, you will have access to our team should you need support or clarification, and we will contact you when relevant changes or opportunities arise.
