Our Process

We will work with you to build your financial plan following an established six stage process.

We’re building the future of finance

1. Discovery process

Our approach to investment management is to look at how we can maximise the expected return for the level of risk we agree.

We will meet with you entirely at our expense and with no obligation on your part to proceed further. We will listen to what you want from a professional planner, help you articulate your financial goals and ask about your current arrangements. This will establish whether we can be of service to you. If we believe we can deliver value for money, we will explain how we can help you and the costs of our services. If we reach mutual agreement we can quickly move to the next stage.

2. Goal setting and data gathering

Once engaged, we will need to gather as much information as possible about your current financial arrangements, your circumstances and your attitude towards investment risk.

This often involves us contacting the providers of your plans and policies to obtain up to date information on valuations, terms and conditions and benefits. We will also undertake a scientific risk profiling exercise. Our subsequent and comprehensive discussion with you provides insight into your goals and your existing situation and helps us to tailor our financial planning process to meet your particular needs.

3. Analysing and evaluating your situation

Analysis of data we gather enables us to evaluate whether your available wealth is working most effectively for you. As part of this process, we examine the taxation and other implications when considering whether alterations to your existing arrangements represent an appropriate strategy.

4. Meeting to discuss issues, implications and commitment

This meeting will provide you with a clear view of how effectively your current arrangements are leading you towards the financial milestones and lifestyle you wish to achieve. Our discussion will establish both the potential for making changes designed to improve the probability of achieving your goals as well as your attitude and commitment towards making changes required.

5. Detailed design and construction

When identifying the precise detail of how your arrangements could be better organised to achieve your stated goals.

We will meet with you to present and discuss our advice and agree any actions you wish to take.

We can arrange all necessary steps to ensure your decisions are implemented thoroughly, accurately and in a timely fashion. A great plan badly implemented becomes a bad plan.

6. Ongoing monitoring and planning

The financial planning process is not a “one-off” event. We believe regular planning 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.

We will make sure you are using all your available tax allowances to best effect. Linked to this we will recommend a structured spending strategy once you wish to decumulate so that you draw down funds in a disciplined and in as tax-efficient a way as possible whilst ensuring that you do not run out of money. We will also ensure that your investments are on track to fulfil your goals and objectives.

In between meetings you will have access to our team whenever you have any queries. We will also make contact if we feel any immediate changes are required to your strategy.