My Services

Your Financial Plan

Your Financial Plan is the foundation on which all our subsequent advice is built. It is a personalised financial map which enables us to see how your short- and long-term goals can be achieved and can guide your financial decisions as circumstances change.
We follow a structured process to create your Financial Plan and obtain detailed information from you and your existing pension and investment providers. We ask you to tell us about your plans and hopes and we listen to your likes and dislikes. We challenge if we feel your goals are unrealistic or incomplete.

We provide secure online facilities for you to provide the personal and financial data we need. We also use video technology to conduct our planning meetings. This is to enhance the process of sharing information and to increase the opportunities for discussion before finalising your plan.

We use cashflow planning tools to help develop your Financial Plan. This enables us to show in a visual format how our planning will meet your goals over time. We also use stochastic models to test the inflation and return assumptions built into your plan, and to assess the amount of risk involved.

We will create your Financial Plan together and once it is agreed, we will provide a written report with a set of actions to implement your plan. These may include taking out or changing investments or financial products or may require you to take advice from another professional such as a solicitor or accountant.

Where the actions require you to take out or change an investment or financial product, we have the expertise to provide you with a Personal Recommendation. Alternatively, you are free to implement the actions yourself or to take advice from another authorised firm.

Personal Recommendation – Investments and Pensions

We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients.

We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. Where appropriate we may use an Investment Platform to administer your investments.

We provide advice on a variety of investments and have access to solutions which would meet the needs of all different client types. However in the majority of instances our core recommended solutions are Individual Savings Accounts 'ISAs', Collective Investment and Retirement Solutions.

As we believe your money should be fully diversified, our main investment solution is provided through our own Model Portfolios which blend together different investment strategies from the best fund managers we can find. We can also recommend portfolios managed by a third-party discretionary manager, individually created bespoke portfolios and provider-managed solutions where appropriate to your circumstances.

We do not usually provide advice in relation to directly held individual shares, options, futures or unregulated collective investment schemes. We don’t provide advice on them as we believe that they are unlikely to be suitable for the majority of our clients however we will provide generic advice where applicable. If you need individual advice we recommend you refer to a stockbroker.