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Financial Planning Process

Initial Meeting

The first meeting allows you to discover how we may be able to help you. We will discuss what you want to achieve from meeting with us and the options that you have available to you. We will discuss your background and identify some of the areas we can explore to enable you to fulfil your financial ambitions.

There is no charge for this meeting and there is no obligation to continue. Should you wish to continue and develop a financial planning relationship with us we will progress to the next stage.

Personal Goals

Following the initial meeting, we will complete a detailed questionnaire on your current situation, discuss your attitude to investment and risk and we will identify and discuss your goals for the future. This typically includes retirement goals, specific savings requirements (e.g. children's education) and financial security. Once we have identified these targets, we will complete the analysis stage.

Analysis

We use and have developed a number of tools to allow us to assess where you currently are financially and identify the areas which you need to focus on to allow you to achieve your targets. This includes cash flow forecasting, pension income forecasting, savings projections, protection needs analysis and inheritance tax analysis

This process of identifying goals and analysing where you are in relationship to achieving these are very important. The results of this analysis will be presented in your financial planning report.

Financial Planning Report

We will prepare a financial planning report which will detail your goals, present the analysis we have completed, and formulate a strategy for progressing towards your targets. This will include specific recommendations and options that are available to you.

Implementation

Once we have discussed the financial planning report and agreed on any necessary actions, we will implement any policies or changes to ensure that you progress towards your financial ambitions.

Review Process

We are committed to providing regular reviews to ensure that we can monitor the progress of your financial plan and react accordingly. This proactive approach allows us to evolve your financial plan as there are changes to your personal circumstances, changes in market conditions, changes in legislation, and as new opportunities arise.