About
“Only around 20% of the UK population regularly uses a financial adviser… those that did take advice achieved on average £3,654 a year more in retirement income than those who did not get advice” Association of Professional Financial Advisers (APFA) quoted in International Adviser Magazine 14 April 2015.
Financial advice is invaluable and has vast potential implications for your current and future financial situations. We have one simple and transparent aim: to make financial advice from reliable experts easily accessible to the people who need it. Our services are designed to nurture long term, trusting relationships; we are here to offer advice whenever you need it.
We believe that seeing the bigger picture is vital when assessing financial situations and opportunities. A thorough understanding of the whole as well as the parts helps to determine how each individual decision could affect other aspects of your finances. Our financial planning advice is structured to reflect this, and we use a few simple steps to establish the following:
- Where you are now
- Where you need to be
- What we can do to help you get there
WHY CHOOSE US?
PERSONALISED SERVICE
One of the most important investments we make is time. We spend time getting to know our clients, developing relationships based on trust and a common goal: your success. Our attentive services help build the roadmap to achieving your financial goals.
LONG TERM SUPPORT
We are committed to building long term relationships. Whatever stage you’re at in life, we’re here to help shape your financial future, always looking after your best interests. We’ll support you whether you are buying your first home, looking to invest, or planning your retirement.
FLEXIBLE AND FAIR FEES
Our services are flexible, tailored to your needs with a fair and clear fee structure, and can be found in our Terms of Business.
Our Client Journey
1. Initial Meeting
2. Goal Setting
3. Financial Plan
4. Implementation
5. Dynamic Reviews
Our approach to financial planning advice involves:
- Gathering the right financial information
- Evaluating your current situation
- Working with you to agree a set of goals
- Creating a financial plan for how to achieve your goals
We hope to help you carve the right path with your financial decisions, and give you confidence in the knowledge that you are on course to achieve your aims.
This is our chance to get acquainted. In the initial meeting, we’ll explain all of our services and advice processes to give you an understanding of exactly who we are and what we can offer. You will be able to ask us any questions that you may have about our services. It’s an excellent opportunity for us to get to know you, your expectations of us and how we can help add to your wealth. Through assessing your feelings about investment risk at this stage, we can gain a good idea of the level of risk we can tolerate when planning your investments. This will provide a firm foundation for any future recommendations we make. This is a no-obligation meeting: whether you choose to become a client or not afterwards is left for you to decide.
We are not afraid to be different, and our approach to goal setting is not only unique, but it’s what we believe distinguishes us from other wealth advisers. We understand that often your future goals can be influenced by your past experiences. Consequently, before discussing the traditional future planning goals with you, we will first look back, to establish how your relationship with money has developed, and what your experiences have been. This history will inform us as we work with you to create your financial goals.
By detailing where you are now, where you see yourself going in the future, how you can get there, and any risks or restrictions, we can create a bespoke financial plan for you. This will also include all investments and personalised planning. This plan is the roadmap that will direct you through the rest of your financial life. At this stage, we can present you with our suggested strategy for you and the tailored financial plan.
Before our advisers begin to implement the recommended strategy, they will first meet with you to discuss it and seek mutual commitment. In some cases the implementation stage may also involve contacting your current product providers and arranging new policies. You can expect frequent communication for the following year, while all the recommended strategies are followed through.
At this stage, once the recommended strategies have been implemented, our role will primarily be to review the agreed financial plan regularly. We will conduct a comprehensive evaluation of your current circumstances, and ensure that your long-term goals remain consistent with those we initially agreed on. We will also complete an investment review: a thorough appraisal of your portfolio performance, recommendations for any required changes and considerations for new opportunities.
