What We Do

There can be no doubt that professional advice, received at the right time, can be of significant benefit to individuals and businesses. We offer our clients this advice in a fair and impartial manner, explaining in clear and simple terms what can be reasonably expected from any strategy or plan adopted. We then commit to a comprehensive on-going review service, designed to monitor the effectiveness of the strategy and to keep the client on track. We also work with other specialist advisers to ensure we provide a holistic wealth management and corporate proposition. For our part we would hope that we might have the opportunity of working with you and demonstrating in practice the commitment that we have to the satisfaction of our clients.

The Financial Planning Process

There are four stages to the financial planning process, each of which is separately costed, although the initial consultation is at our cost:

Initial Consultation

This initial consultation will comprise of:

  • Initial meeting with one of our qualified financial planners
  • A chance to ask questions and understand our service
  • Opportunity for us to find out what help you require
  • Discuss the options available to you from our menu of services
  • Information about our charges

This consultation is at no charge to you.

Preparation of Financial Analysis & Plan

We will carry out an extensive assessment of your financial circumstances at the outset to establish your financial planning requirements. This will include:

  • Gathering of information about your existing financial arrangements
  • Full risk profile completed
  • Cash flow analysis completed, if required
  • Analysis of your current holdings to see if they match your risk profile
  • Recommendation of a suitable investment solution that matches your risk profile
  • Preparing our recommendations to you
  • Arranging a second meeting to explain and discuss our recommendations

When you receive your Financial Plan it will be your decision alone to implement the recommendations, either completely or in part. We will provide a clear breakdown of our fees to implement these recommendations.

Implementation

The implementation of our recommendations includes where appropriate:

  • Handling of all fund and policy administration on your behalf
  • Regular updates to keep you informed of progress
  • Ensure all your documents are issued in line with your expectations
  • Confirmation of all actions taken on your behalf in writing

Reviews - On going Management Services

We pride ourselves on working with you every step of the way. Your financial objectives may change over time due to changes in your lifestyle or circumstances. We believe it is essential to ensure that your portfolio continues to meet your lifestyle and investment objectives. Our ongoing review and management service offers:

  • Structured reviews to give you peace of mind
  • Assessment of your current circumstances and any changes to your plans that are needed
  • Regular updates and information regarding your portfolio
  • A choice of differing levels of support depending on your needs
  • Ongoing support with correspondence and administration issues

We recognise that all clients do not have the same service requirements therefore we allow you to choose the level of service that suits your needs. Our charges are guaranteed not to increase in the first twelve months of your contract with us. Should we need to increase our charges after this period, you will be given notice of this fact and the opportunity to decide whether to continue with the revised level of charges.