The initial conversation
We start by understanding who you are and what you’re working towards. This is a conversation, not a presentation. You talk, we listen. About an hour, entirely yours.
- What brings you to us right now
- What you want to achieve and why it matters
- Any concerns or uncertainties about the future
- How we might be able to help
No obligation. At our cost. We then follow up with a tailored Scope of Work which sets out the service(s) we think will suit you best, and the associated cost.
Discovery
Once the Scope of Work has been agreed, we gather information directly from your existing investment providers to base our reviews on the latest figures and details. Alongside that, we will embark on a more in-depth goal-setting exercise, so that we have a deep understanding of your ambitions and motivations.
- Your financial history and current position
- Your knowledge and experience with investing, and your emotional tolerance of risk.
- Your opinion on what “good” looks like
- Why do you want the outcomes you are aiming for?
We then provide you with a Personal Wealth Map which is effectively the summary of the Discovery process.
Building the plan
We conduct separate reviews in each area you would like support with. Each review will involve separate research, analysis, and recommendations related to the topic, and a separate presentation of our report.
- Cashflow Modelling
- Investment strategy and asset allocation
- Tax planning within the current legislative framework
- Financial protection needs and risk management
- Estate planning and inheritance matters
- Retirement income planning
Implementation
Once the strategy is agreed, we help to put the plan into action. Whether it’s opening investment accounts, updating pensions, or arranging insurance, we handle the details so you don’t have to.
- Setting up investment and insurance policies as intended
- Establishing structured savings plans
- Arranging tax efficient withdrawal strategies
- Advising clearly on gifting schedules and other IHT-planning measures
Ongoing reviews
Your circumstances change. Legislation evolves. Asset allocations shift over time. Our ongoing review service ensures that your plan stays suitable and aligned with what matters most to you.
- Ongoing advice and support
- Access to your advisory team as and when required
- Annual full planning review meeting
- Continual monitoring of progress against your goals
- Ability to adapt to change