1. Initial meeting.

We listen to you and find out about your situation and requirements. 

Together we discuss your current financial position and the soft facts which underpin and might shape your financial goals.

Your financial priorities are discussed, and we start to develop the foundations of your financial plan.

2. Analysis.

We analyse the information gathered at our initial meeting and research the market without restriction.

At the core of our investment proposition is Cash Flow Modelling and we use technology to enhance this process. 

We model a range of different cash flow scenarios and outcomes to help you visualise how your financial plan will meet your objectives both in the long term and at each step along the way.

3. Recommendation.

Following the analysis stage, and based on our findings, we prepare an in-depth initial report. 

Where existing financial products and investments are held, we assess the structure to ensure they are entirely aligned to your requirements.

4. Implementation.

After discussion and agreeing how you wish to proceed, we implement and coordinate your financial plan. 

This is likely to include contacting other professionals such as accountants, financial product providers and investment managers.

5. Annual Reviews.

We carefully monitor your financial strategy to ensure it is aligned to your objectives.  We invite you to attend an annual face-to-face meeting, where we review your financial strategy and requirements.  You may wish to attend a video meeting or arrange a home visit and we facilitate according to your preference. 

There are likely to be times when your objectives change or require refreshing and, therefore, it is important we are alerted to any changes to your situation.  An annual review and report will help ensure your financial strategy is always aligned to your needs. 

As part of essential infrastructure, you will have secure online access, available 24 hours a day, to view real time portfolio valuations.

6. Financial Products.

Accessing financial markets requires the use of various financial products and instruments.

You might already be familiar with several of these, such as savings accounts, pensions, investment funds, and specialist investments.

As an independent financial adviser, we are not limited to a specific range or single product. We conduct thorough market research to recommend what we believe is the best solution for you and your situation, using a robust and well-defined methodology.