Your financial journey
A five-step outline of what it's like to work with us, from first conversation to ongoing reviews.1. Getting to Know You
Our first meeting aims to gather an understanding of what you want from us: whether you’re planning for retirement, building wealth, protecting loved ones, or preparing for future generations. We’ll have an open discussion about your goals, and how we can help you achieve them. This helps us understand whether we're the right fit to work together, and what the next steps would look like.
2. Factfinding
With a clearer sense of what you're aiming for, we turn to the numbers. We'll ask you about your current pensions, savings and finances, along with your attitude to risk. Where necessary, we'll also contact your existing providers directly to dig out details like charges and exit penalties, reducing the need for you to get involved directly. This gives us an accurate picture to build your plan around.
3. Building Your Bespoke Plan
Behind the scenes, we carry out thorough research and analysis, drawing together everything from our conversations and your current position to shape a plan that's built around you, not a one-size-fits-all product. We factor in your comfort with risk, compare charging structures against your current arrangements, and use cash flow modelling to see how things could play out over time, all to come up with a strategy that's uniquely yours.
4. Presenting Our Recommendations
After a recap of everything we've discussed so far, we'll set up a meeting to walk you through what we decided. We go over the options we looked at, how we reached our recommendations, and what happens next. Where relevant, we'll set out the costs and charges involved. Once you're happy to move forward and everything is signed off, we'll integrate the plan, handling the paperwork so everything is set up correctly on your behalf.
5. Ongoing Support & Reviews
Once you're set up, you'll have your own online access to check in on your investments whenever you like. We'll also schedule review meetings to see how your plans have performed and whether they still fit your needs, since circumstances change. In the meantime, we're always here and happy to help.
