Your first meeting with us is a chance for us to learn a bit more about you, your circumstances and what you want to achieve in working with us. It is also a chance for you to learn more about us, what we do, how we work and how we could help you achieve your goals.

There is no charge for this meeting as it is held at our expense, but we know you’ll also be curious about fees, so we’ll use this opportunity to explain how and what we charge.

If we feel it is mutually beneficial to work together, we’ll arrange another meeting to explore your goals and your circumstances in more detail. At this meeting, we’ll ask you about your current policies, plans, assets, income, expenditure and exposure to risk, and analyse your cashflow. Once we know the value of your current assets, we can project their future potential value using specialist software. Cashflow analysis allows us to show you how much money you’re likely to have at every stage of your life, and whether you have enough to achieve the things you want to do.

We’ll also spend time exploring your ambitions for the future, what you’d like to achieve and how you’d like to live, if money worries weren’t holding you back. Once we have a full picture of your current financial circumstances and a full understanding of your vision for the future, we can start to create your plan.

We’ll then present our findings to you in your personal financial planning report. This document will tell you what’s currently working for you, what isn’t, and what steps you need to take to achieve your ideal lifestyle. It’ll show you where you are now, how far you are from achieving your goals and our recommendations for changes that are needed to your existing arrangements.

For some people, that may just be a case of changing the product they are saving into, such as an ISA instead of a pension. For others, the cash flow analysis may show that it’s time to stop saving and time to start spending as your pot is already overflowing!

We’ll allow plenty of time for discussion and explanation so that you can make fully informed decisions when it comes to the path you want to take.

Once we’ve agreed your plan together, we’ll make those first steps on the road to your goals as easy as possible. We’ll take the administrative burden off your shoulders by liaising with providers on your behalf. Where any changes to plans or transfer of funds have been agreed with you, we’ll ensure all the paperwork is completed accurately and quickly, and keep you informed of our progress every step of the way.

Three decades of experience has taught us that we can add the most value to our clients’ lives when we can form lasting relationships. When we work with clients on an ongoing basis, we’re able to help you adapt to the changes in your life and circumstances that are inevitable over time, and which may knock your plans off track without intervention.

Our annual reviews are a chance for us to check in with you and find out if any of your arrangements require adjustments. They are also a chance for us to keep you updated on the value of your investments and the progress we’re making towards your goals and to ensure your risk profile hasn’t changed.

Of course, we’re always here in between annual reviews too. Working with us on an ongoing basis means our team are at your disposal whenever you need some advice, encouragement or just a chat and slice of cake.