We specialise in helping people achieve their goals and aspirations in life through a process of Financial Planning.

Financial Planning is a strategic service helping you to answer ‘what if’ and ‘when’ type questions. You may be thinking “What if I want to stop work and travel the world?” or “When will I be able to afford to retire?” Or you may have a specific issue or query about a particular aspect of your financial life, such as whether your pension plan is right for you, or how to mitigate Inheritance Tax.

We will write a Plan for you to advise on how best to answer those queries and meet your goals. A Financial Plan will help you make more appropriate decisions, because you have better information about how to financially achieve your future goals.

Through regular reviews our Chartered Financial Planners can advise you on developing and adjusting your strategy as your needs change to ensure you make progress towards your goals.

How do we deliver our services?

We meet with you initially to establish your requirements and discuss your goals and objectives. This initial meeting is without cost or obligation. If you choose to work with us, we will work with you through the Advice, Implementation and Review steps.

ADVICE

Establish goals & objectives:

  • It’s important to establish your goals and aspirations to ensure that the advice we give is relevant and comprehensive. We encourage you to reflect on what you want to achieve in life.

Establish current financial situation:

  • We collate information about your current income and expenditure and any existing policies you hold, then produce a cash flow forecast to demonstrate how your financial future looks. This cash flow projection is the foundation of your financial plan and allows us to understand the implications of any planning decisions taken.

Financial strategy development:

  • We then develop a bespoke financial plan which demonstrates how your money can be best used to fulfill your needs, wants and desires.
  • We meet with you to present this plan to enable you to ask any questions and gain a really good understanding of the advice we have prepared for you.

IMPLEMENTATION

Plan implementation:

  • We will help you to implement any changes that may be required to your existing arrangements and research and recommend any new plans that your financial plan requires.
  • As an independent adviser, these plans will be unbiased and bespoke to meet your requirements.

REVIEW

Monitoring and review:

  • To ensure that your plan is regularly reviewed and revised to take account of changes in legislation, the economic and tax environment, and your particular circumstances, we can provide an on-going review service tailored to your specific needs.
  • We will devise a scheme that provides you with the peace of mind that your plan is still relevant and appropriate.

How are we paid for our services?

We charge for our professional advice. We charge a fixed project fee based upon the complexity of the project for each stage of work: Advice, Implementation and Review.

Because we are paid for our advice directly by our clients, this means you are guaranteed to receive independent, unbiased advice without being influenced by commissions that might be payable by financial product providers.

Clear, fair and impartial.