Understanding you

It’s really important we get to know you well at the beginning of the journey. And that you get to know us! During our initial consultation we’ll ask you about your finances, of course; your current financial picture and any products or plans you already have in place. But we’ll also ask you about you; your goals, hopes, aspirations and what’s important to you. To bring about the results you want to see, we first need to establish what they are. Then we’ll explore your views on risk and return, and tell you a bit more about what you can expect from us and how we can help you. We do not charge a fee for this stage.


Building a plan

We’ll explore and research different scenarios to make the best use of your existing plans. We’ll then recommend how you can build on your existing plans, and make changes to your life to give yourself the best chance of achieving the goals we’ve set.


Implementing the plan

Most of our clients then ask us to put their plan into action. We’ll contact your existing providers on your behalf and ensure any agreed changes are set up correctly. And, of course, we’ll let you know when it’s all done, saving you the time and effort of doing it yourself. You'll receive a comprehensive financial planning report summarising our discussions and recommendations too. The fee we agreed becomes payable at the end of this stage.


Refining & reviewing the plan

Life doesn’t stand still. So neither should your plan. Our ongoing services allow us to check your financial plan is on track. This includes the performance of your investments, your progress towards your goals and if anything has changed in your life that requires a tweak to the plan. We suggest annual reviews but where you feel you require more regular meetings with us, then we can provide those too. And we’re always on the end of the phone, or you can pop into the office should you need us between reviews.


Unlike most financial advisers we charge fees based on a hourly rate. Following your initial consultation (which is held at our expense), we will provide you with a fixed fee quote based on the time we expect to spend working on your financial plan.

Our clients tells us they like the simplicity and fairness of this approach. We also feel this approach removes potential conflicts of interest which can occur when fees are linked to a percentage of the assets invested or switched from one company to another.

Get in touch

Drop by and we’ll pop the kettle on. Alternatively, send us a message and one of us will be in touch.