Become Financially Secure For Life

Our lifestyle financial planning process includes detailed independent financial planning advice to help you achieve your personal goals. We provide an ongoing service including regular reviews and monitoring, so when your life changes, we’re always on hand to advise. When you start your journey with us, we will carry out a lifelong cash-flow analysis, so we can provide realistic financial planning solutions that are right for you.

Initial Service

Our initial service is designed to put you on track to achieving or maintaining financial freedom. This service includes:

  • An initial meeting to find out more about you (we don’t charge for this initial meeting)
  • Agreeing your financial goals and objectives
  • Establishing your attitude to and understanding of risks
  • Reviewing your current plans, investments and assets
  • Creation of your financial plan and cash flow forecast
  • Assessing the potential impact of key events on your plans (cash flow modelling)
  • Undertaking research to identify suitable plans and solutions
  • Creation of your personal investment strategy
  • Providing a personalised report and recommendations (including a face to face meeting)
  • Implementation of agreed recommendations

Ongoing Service

Our ongoing annual review service is designed to ensure that you stay on track to meet your personal and financial goals. This service includes:

  • An annual face to face or web meeting (your choice) with your planner
  • Updated cash flow forecast
  • Assessing the potential impact of key events on your plans (cash flow modelling)
  • A review of your financial goals and objectives
  • An up to date valuation of your current investments
  • A review of how your investments are performing
  • Implementation of any agreed changes
  • A report setting out the results of the review and confirming any changes
  • Access to our client team who will respond and deal with ad hoc queries

Financial Planning

Financial planning combines Pension, savings and investments, protection and estate planning to create a comprehensive financial plan that is tailored to meet your goals and to make sure you don’t run out of money.

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Pensions & Retirement Planning

Do you know the true value of your pension? Do you have more than one pension? Due to the “pension freedoms”, there is no limit on the amount you can access from your pension when you reach the age of 55. And, the age you can draw income from your pension will continue to rise in line with the state pension age. However, what happens if you want to retire sooner? We can review any existing pensions to see whether they are right for your current situation and your future retirement.

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Savings & Investments

When did you last review your savings strategy? Do you have an existing investment portfolio? Perhaps, you’re an aspiring investor, but you need professional advice? Our holistic approach looks at every aspect of your ‘nest egg’ to check whether you are on track to make the most out of your money. We will consider your lifestyle, goals and level of risk.

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Protection

We don’t want to think about bad things happening, but life can change in an instant. Being prepared for the worst helps to keep you and your family safe and secure. We look at your lifestyle and your situation to help you find the right level of protection for every family member. Our aim is to make sure you are fully covered for virtually every scenario.

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Estate Planning

Do you know the total value of your estate? Are you aware of any future Inheritance Tax liabilities? We will look at your entire estate to help you manage your money, property, possessions, so you can rest assured that your legacy will be passed onto the right people at the right time.

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