Full Financial Planning Service

Because financial planning doesn’t have to be complicated…even when it is!

When we are advising people about maintaining their wealth, one of the most important considerations is to balance their current income requirements with ensuring the future is catered for. We find that clients are inclined to save too much or too little, which stems from not identifying correctly what their future income needs might be and how they can be met.
The people who save too much may make unnecessary sacrifices. Those who save too little face a considerable reduction in their standard of living in retirement, or will have to work for much longer than they had anticipated.
We act as an informed sounding board, helping our clients take an objective view about how much income or capital they may need in the future. We help them see what the rainy days might look like, and how much they might need in pensions and investments.
Our Financial Review Service will include a comprehensive financial “health-check” with one of our highly qualified advisers, held at an agreed frequency, but at least annually, during which our discussions can include issues such as:

Update Personal, Career & Financial Details:

  • Check for material changes in your family situation, e.g. a new role and/or changes to your earnings pattern or assets

Your Goals / Plans:

  • Review of your personal and financial objectives
  • An update by you on issues and plans requiring attention

Retirement Planning or Income Strategy 

  • Review opportunities and threats created by any changes to pensions legislation

Investment Review:

  • Examine performance since your last review
  • Ensure your strategy remains appropriate to your objectives and current attitude to risk
  • Discuss whether any changes need to be implemented

Estate Planning:

  • Ensure your assets can be passed across generations in a legally valid way without damaging your own lifestyle
  • Annual Inheritance Tax (IHT) review

Budget review: 

  • Discuss any changes in your income and outgoings

Tax strategies:

  • Consider opportunities and threats created by changes to tax laws
  • Review annual tax planning options, such as ISAs etc.

Debt/Mortgage Review:

  • Review your mortgage interest rate and debt structuring arrangements

Family protection: 

  • Ensure you and your family are protected from the financial effects of death, long term illness or incapacity

Professionals Update: 

  • If helpful, we can provide updates to your other professional advisers, such as solicitors or accountants

Full financial planning clients also benefit from:

Proactive contact when action may be required between meetings

Ongoing monitoring of portfolios with re-balancing and upgrades on an agreed basis

Budget & pre-budget report

Dedicated team to answer calls and take action as promptly as possible

Valuation reports on plans and investments at least every 12 months

Sounding board to react to your thoughts and plans as they arise

Advice Process

We offer an initial meeting to find out whether we can help you in achieving or moving towards your financial goals. There is no charge for this and no obligation on either side.

During our initial meeting we will listen to your needs and look at your situation. By gathering information from you we are able to adapt our advice process based on your financial plans for the future.

We use the latest analytical tools and technology to help us personalise and tailor your portfolio based on the latest deals and products currently available.

As a firm of Independent Financial Advisers we can give you the most suitable advice for your needs from the whole of the market. It also means we are able to advise on a wide range of financial products that are available and place your interests at the heart of the advice that we give.
Not everyone’s financial advice is independent. Ours is.

Contact us today

We’d love to hear from you. As a firm of Independent Financial Advisers we can give you the most suitable advice for your needs from the whole of the market.
Not everyone’s financial advice is independent. Ours is.