How we work
Our approach to wealth management is simple “plan for tomorrow; live for today”.
Our financial planning service is designed to provide you with bespoke advice on the most appropriate products and services to meet your individual goals. We have created a six-step consultative approach that ensures you receive personalised advice. We achieve this by undertaking detailed analysis and due diligence of the available products and services across the markets in which we operate.
Our advisers will guide you through each step at a pace that suits you and together we will create your financial plan.
We follow a six-step consultative approach to ensure our clients receive personalised financial advice. Our advisers will guide you through each step at a pace that suits you and together we will create your financial plan.
Steps one and two form the initial no obligation consultation where we agree how we work together and is at our expense. This includes agreeing the remuneration method, should you wish to work with us.
We establish your life goals, personal circumstances, aspirations and concerns surrounding:
- Later life
We collect all relevant personal and financial data and establish your perceived risks, we use:
- Personal circumstances
- Third party information
- Risk profiling
- Financial and tax information
We use specialist planning tools to asses your current position and how you got there, this is done through:
- Legacy product analysis
- Cash flow modelling
- Collaborating with your other professional advisers
We will prepare a personal report with bespoke recommendations, then set out different strategies to achieve your objectives. This is done through:
- Product research and design
- Formal written recommendation
- Product provider liason
- Personalised illustrations and documents
We agree the plan to implement the strategy to help you achieve your objectives over a given period of time, this includes:
- Onboarding process
- Executing trades
- Online portal creation
- Service model implementation
If you choose, we will meet on an ongoing basis to assess your strategy and implement the next steps in your plan.
Life stage planning
No matter your age and wherever you are on life’s journey, it is in our nature to live in the moment and tackle life's challenges as they arise. Many of us do not plan for the long run or take the time to look at how our investments, savings and pensions are performing year on year. As your goals, financial needs and circumstances are constantly evolving, and as we
live healthier and longer lives, it raises important questions. Questions such as: What should we do with the extra time we have and how can we achieve financial independence? Should we keep working or can we retire early?
Whatever your questions, we are here to help you not only take charge of your finances, but align your needs, values and goals with your finances.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Financial planning tools
One of the most visual ways we can help you plan for your financial future is by using a cash flow modelling tool. Our cash flow analysis system, allows us to input information about the current value of your investments and apply relevant assumptions about things like investment growth rates and key life events to create detailed and precise cash flow models based on your individual circumstances.
We use this information to assess what you are likely to need to save, the investment returns needed to achieve your goals and estimate whether your ongoing income is likely to be sufficient to sustain you for the rest of your life.
We believe in being transparent and open in how we work with you and what we charge for completing that work.
Prior to commencing any aspects of our work we will agree with you the service level you require together with the relevant fee structure. We won’t charge a fee until we’ve agreed it with you.
Fees will depend on the nature and complexity of the work being carried out.