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Planning Process

We make sure we take the time to understand your needs, goals and preferences before we make any recommendations. The stages below outline our typical financial advice process. We may add or combine some of the meetings described to tailor our service to your needs.

Discovery meeting

The first stage in the planning process and conducted at our expense, this is your opportunity to establish whether you would like to work with us. We will explain our philosophy and how we manage client relationships, our service options and fee structure.

Creating plans

We will get to know you and your circumstances, your aspirations and concerns, your attitude towards risk, and your experience in financial matters. If you decide to appoint us as your advisers, we will agree your objectives and begin developing your Personal Financial Plan.

Gathering essential information

We review your policies and investments, update valuations, and consolidate everything into a clear summary of your current position.

Analysis

We evaluate the results and consider alternative strategies. We produce a report identifying any areas of your existing financial arrangements that could be more effective.

Presenting your financial plan

We talk you through our recommendations and agree any changes you feel would be suitable. We establish whether your aspirations are realistic and what steps need to be taken to help you achieve them. We consider your concerns and how they can be mitigated or overcome.

Implementation

We complete all documentation and liaise with product providers to put into place the arrangements we have agreed. All information will be recorded for your security.

Ongoing support

Circumstances change, and new opportunities and challenges present themselves. We offer ongoing reviews to help things stay on track, and we’re happy to agree a service level appropriate to your needs.