Initial call
Let’s get acquainted.A free conversation about your priorities, your questions and whether we can help.
A clear process.
Five steps, built around you.
From your first conversation to ongoing support, here is how we work together — and when we agree the costs.
Discovery & proposal
Understand, then agree.We complete a fact-find to understand your goals and finances, then set out the proposed service, initial advice fee and ongoing advice fee for you to agree before advice begins.
Advice
Your plan, explained.We research your options and present personal recommendations, explaining the benefits, risks and the product, platform and investment charges before implementation.
Implementation
Put your plan into action.With your agreement, we help put the recommendations into place and keep you informed throughout.
Ongoing support
Keep your plan on track.Ongoing advice is part of our service. We review your plan and adapt it as your life and priorities change, in line with the scope agreed at the outset.
WHAT WE DELIVERYour financial plan.
Your financial plan.
Built for your life.
Four connected parts bring your finances together, with clear recommendations, practical actions and continuing support.
Foundation
Get the building blocks right.We review your pensions, ISAs and other investment arrangements to check their features, costs and suitability for your plan. This includes access and drawdown options, existing benefits and guarantees, and whether consolidation would make your finances easier to manage. We recommend changes where appropriate, rather than moving products for the sake of it.
WHAT YOU RECEIVE
A review of your existing arrangements and clear recommendations on what to keep, improve or change.
Optimise your investments
Give your money a clear purpose.We recommend an investment strategy shaped around your goals, when you expect to use your money, your attitude to risk and your capacity for loss. We assess diversification, costs, the investment approach and performance in context, then keep the portfolio under review. The aim is to support your goals and preserve purchasing power over time; returns are not guaranteed.
WHAT YOU RECEIVE
A recommended investment mix, with an explanation of its role, costs and risks.
Action plan
Turn your goals into practical steps.We help identify and quantify your goals, assess whether you are on track and agree actions to address any gaps. These might include changing savings contributions, using suitable tax wrappers or planning retirement withdrawals. Where appropriate, cashflow modelling helps illustrate different scenarios, test assumptions and show the potential impact of your decisions.
WHAT YOU RECEIVE
A prioritised action plan and, where appropriate, a cashflow report alongside your financial plan.
Ongoing service
Keep your plan relevant as life changes.Ongoing advice is integral to our service. We review progress, revisit your goals and adapt your plan as your circumstances change. We consider relevant tax and legislative changes, review your investments and help you stay focused on your longer-term objectives through market uncertainty.
WHAT YOU RECEIVE
Continuing reviews, guidance and agreed adjustments to your plan and investments.
Tax planning, throughout.
We consider suitable tax wrappers and available allowances as part of your plan, reviewing opportunities as your circumstances and legislation change. Tax treatment depends on individual circumstances and may change. Cashflow projections illustrate assumptions; they are not predictions or guarantees.
HOW FEES FIT INClear costs.
Clear costs.
Agreed in advance.
Your initial call is free.
At the discovery and proposal stage, we explain the scope of our service and disclose both the initial advice fee and the ongoing advice fee, alongside our Terms of Business. You can ask questions and consider the proposal before agreeing to proceed.
Ongoing advice is an integral part of our service. Its scope and fee are included in the proposal, so you understand both the initial work and the continuing support from the outset.
LET’S START WITH YOUYour next chapter.
Your next chapter.
Our first conversation.
No need to have all the answers.
Let’s work out the right questions together.