Here we explain the rigorous process we follow to ensure we help you make the right choices for your money. To ensure we advise you properly, we take time to understand your needs, goals and preferences before we make any recommendations.
Our first meeting This is an exploratory meeting which allows us to get to know you, and what you would like to see happen in the future. To help us do this, we’ll ask you about current plans and the policies you have in place, including life cover, mortgage, pensions, savings and investments. We’ll explain the services we offer, how we charge for what we do, and what our likely costs for advising you will be. We’ll confirm the details to you by email. We make no charge for this initial meeting.
Researching, analysing and making recommendations The information you have provided enables us to assess your assets and liabilities, objectives and priorities and, if you’re thinking about investing, your attitude to risk. We’ll carry out a review of your current financial plans and consider your goals. We research what’s available in the marketplace, assess the different products on offer and formulate a plan tailored to meeting your goals.
Presenting our plans to you We will then arrange another meeting to go through our recommendations in detail. We’ll explain our overall strategy and why we’ve recommended specific products, policies or investments. We’ll go through each element of our plan, answering any queries you may have.
Putting your plan into action When you confirm that you are happy to proceed, we’ll implement your plan. We’ll take care of all the administration, drawing up the necessary paperwork for your signature. We’ll make sure you have copies of all the relevant documentation for your records. We will document everything fully in a written report.
Reviewing your plan to ensure it remains relevant to your needs Having a plan in place represents the first step in reaching your financial goals. However, we realise that as your life progresses your needs and aspirations may change, meaning that your plans might need to alter to match your new circumstances. We can provide you with an ongoing service that will give you the peace of mind of knowing that your plan will continue to remain in line with your financial objectives.
