The Start – About You

We meet to to discuss your personal circumstances and your current financial situation. We’ll go into detail so that we can draw up a complete picture of where you are now, and where you want to be. We’ll ask about you, your occupation or retirement, your savings & investments, your mortgage, your current liabilities and your tax position, and we’ll explain how all of this information builds a profile which will help us to formulate your plan. Often its about explaining what you currently have and ensuring that you can make sense of where your money is what you can expect and what you are currently paying for.

What do you want?

Next we discuss what you want and what you expect from the future, as well as any concerns that you have. We’ll discuss risk and reward, and your attitude towards investment risk.  This feedback will enable us to construct an investment portfolio which is appropriate for you. You’ll be able to see clearly how all this fits into place in your own personal plan.We’ll and agree a fee for our advice.


We’ll discuss with you our analysis of your current position, and will talk through with you in detail.


So now we know where you are and where you want to be. At this stage we present our recommendations outlining what we think you need to do, and we establish the best and most time efficient route to  getting you there. We explain in detail what we have done, how the research was developed, what we consider the best way forward and why we have discounted other potential solutions. Your Personal Financial Plan will also agree the cost of achieving your objectives, and now we ask for your approval and confirmation of the plan.


It’s time to implement the plan. Every course of action we have recommended and agreed with you is now put into motion.

Follow Up

If required, review dates will be agreed and can take place annually or more regularly if requested. Any ongoing fees will be agreed in advance, depending on which service level is required. The purpose of regular monitoring of your Personal Financial Plan is to enable you to see the progress we are making towards reaching your financial goals, and for us to make any adjustments. Working closely with you we will explain overall how the plan is going and agree any modifications to keep it on track as we move forward.


Savings & Investments

Since there are so many different types of savings and investments, it is wise to seek expert advice which can be tailored to suit your own circumstances. Paying too much in tax or charges can seriously reduce your returns.

The value of investments and income from them can go down. You may not get back the original amount invested.

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Saving for retirement can be confusing. There are many options and it is important that the right one or even a combination of options is chosen correctly. The major changes announced in the 2014 budget to the way in which pension benefits can be taken certainly offer more flexibility however it is now more important than ever that the right choices are made . Flexibility only applies where the scheme rules allow and there may be tax consequences to consider.

A Pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

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Wealth Management

Once you have money it’s important that you protect it against the potential threats of taxation, inflation and investment risk. We can help you ensure that you are making the most of tax efficient solutions and have an investment structure which is efficient.

Tax treatment is based on individual circumstances and may be subject to change in the future. The Financial Conduct Authority does not regulate tax planning.

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