Working Together

We aim to provide all clients with a clear financial plan. This is achieved by gaining a full understanding of your current financial position, your objectives and needs. We will provide suitable solutions  to achieve these objectives while trying to keep things clear and straightforward.

INITIAL MEETING

This is for us to get to know each other and is without cost to you. It can be by telephone, Zoom Meeting or in person.

We will follow up this meeting with a summary of how we might help and include the next steps and our fees for carrying out the work.

If you decide to work with us, we will send you our client service agreement and terms & conditions. 

FACT FIND MEETING

The purpose of this meeting is to obtain a detailed understanding of your circumstances, objectives and views.

The meeting will typically last between one and two hours, depending on the complexity of your situation. Your spouse, children or other professional advisers should attend this meeting as appropriate.

We will ask you to provide details of your income, expenditure, policies, investments, mortgages, loans, wills and interests in trusts that you have prior to this meeting.

We will also ask you to complete a Risk Questionnaire to understand your attitude to risk, your knowledge and experience of investing. This will help in our discussion and planning.

We will follow up this meeting with a list of any other information needed and an estimate for how long it will take us to draft your financial plan.

PLANNING MEETING

We will send you a draft financial plan for us to discuss at this meeting.  For some this will be close to the completed plan, for others there might be an adjustment or two needed following a further discussion.

The research and preparation of the draft plan typically takes 3-6 weeks to complete. We will update you with progress and inform you of any delays.

The plan and accompanying information will comprehensively outline your current position and will detail our professional observations in each area. By examining these observations against your stated objectives, we will recommend actions to take now and in future.

We will also provide supporting information behind the recommendation including where applicable, illustrations, product brochures and key features documents.

COMPLETING YOUR PLAN & THE NEXT STEPS

Once the plan has been completed there might be a list of actions which need to be taken.

Your adviser will then explain and discuss the next steps with you. This will include any charges for implementing the advice as well as an outline of how long it will take.

OUR FEES

The charges for producing your financial plan and associated advice will be agreed prior to us starting work. 

We tend to work on a fixed fee based on the time the work will take, rather than a percentage of your wealth. However, if additional work is required to invest further funds or alter your existing investment holdings, this fee may then be linked to a percentage of your wealth and discussed and agreed fully at outset.

Where applicable we will send our invoice for the fee agreed on completion of your financial plan, for settlement within 14 days.