Process

Make sure your money works effectively for you...

We offer you a flexible way to manage your finances and plan for whatever challenges life throws your way. Our expert financial advisers can help you with all your planning needs. You can choose how our advisers work with you and the level of ongoing service you want to receive.
You agree the amount of remuneration you pay for your advice by either fee or commission, or a combination of both. We provide a clear, staged advisory process. It is sectioned so that you can choose to stop or progress forward at any point in the relationship. Every aspect is clearly set out, so you know exactly what to expect.

Stage 1 - Primary Consultation

Our objective during this stage is to meet with you to find out about your life and understand why you need financial advice.
We gather comprehensive information about your circumstances, assets, liabilities and life goals, talk about your attitude to investment risk and the types of policies that may meet your needs. We will also determine the level of service you wish to receive and discuss your options on how you would like to pay for this.
This initial consultation is at our expense.

Stage 2 - Detailed Financial Plan

We will gather information directly from the providers of your existing investments, pensions, and any other relevant policies so that we can obtain information on how existing products are performing. We will make sure they meet your current needs and attitude to risk and recommend any changes that may be needed.
From here we will build you a portfolio that has the asset allocation and geographical spread to suit your circumstances, while making use of your tax allowances. If your financial planning need is different, then policies will be carefully identified and chosen.
We will provide you with a clear concise written report detailing our advice, and this will include the reasons why we are making such recommendations. This report will form the basis of our discussion on how to move forward. Once you have received this, we will arrange a follow up discussion to go through the report and agree how to proceed.

Stage 3 - Implementation

The third and final stage is to implement our recommendations. If this means making changes to your current investments or plans then we can take care of all the arrangements on your behalf.
If new arrangements need to be made, we will help you to complete all the necessary paperwork, we will also ensure that the plans that you are proceeding with are processed with the minimum of inconvenience.