Our Approach

Financial planning is a process, different from just providing advice on investment products, it requires you to give serious thought to your future plans and aspirations.

What is Financial Planning?

Financial planning is a process, different from just providing advice on investment products, it requires you to give serious thought to your future plans and aspirations. We work closely with you to help you set objectives for what you’d like to achieve in life…. and then we establish the best way to go about these objectives financially.

We like to define Financial Planning as:

Protection Planning + Investment Planning + Retirement  Planning + Tax Planning = Financial Planning

Protection Planning – Making sure your loved ones and your business are financially protected in the event of your death or serious illness.

Investment Planning – Ensuring accurate asset allocations, safe custody and reliable administration of your money whilst minimising costs, taxes and above all – risk.

Retirement Planning – Helping you achieve the lifestyle you’d like in retirement.

Tax Planning – Making use of allowances and tax planning vehicles to minimise your income, capital gains and inheritance taxes.

How we work
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Step 1 – Initial Meeting

Our first meeting is designed to find out how we can help you and for you to get to know us. We will outline how our meeting process works, discuss our charging structure and provide information about the firm and our services.

Step 2 – Discovery Meeting

This meeting is where we conduct a comprehensive assessment of your present financial situation, your values and what your objectives are. From this, we will be able to prepare recommendations and solutions for your situation and prepare your financial plan.

Step 3 – Recommendation Meeting

We will now be in a position to present our recommendations and solutions to you. We will provide you with a report to analyse and consider before anything is agreed upon. We would suggest discussing our report with your family and anyone else who your financial plan may include.

Our well-designed financial plan enables us to agree on specific investment goals and the strategies required to achieve them. In turn, this will be applied to your life objectives.

Step 4 – Implementation Meeting

Following your review and consideration of our recommendation, we will meet to implement the solution. We will be, of course, at your disposal to answer any questions prior to this meeting. We will have all the paperwork prepared to proceed with the strategy and to formalise your relationship with us as a client.

Step 5 –Review Meetings

As life events occur and present hurdles to your plans and objectives, we will meet and review your situation on a regular basis to ensure that your financial plan fits your lifestyle. Our ongoing relationship will help us keep on track to reap the rewards that a scientific, disciplined and long-term approach can deliver. We’d like to see you in person at least once a year but we are able to accommodate telephone and video call meetings as you desire.