How We Work
Getting to know you
This is arguably the most important part of the whole process. Our initial meeting will always be at our expense and we will use this time to get to know you and what is important to you, not just financially but personally. We will discuss how you envisage spending your time in the future, what your major financial and lifestyle goals are and what you want to achieve and listen to any concerns you may have. We will also explain how we work and the costs of our services before we agree to work together.
We need to ensure that we fully understand your current financial position so this stage will include a full appraisal of your current assets, liabilities, income and expenditure. We will also ascertain your attitude to investment risk and agree a number of assumptions around future variables like inflation to assist us at the planning stage.
Analysis and planning
We will assess all of the available information so that we fully understand where you are now and where you want to get to. Only then will we create a highly detailed, personalised financial plan to help you get there based around an investment portfolio that is structured according to your own attitude to, or perhaps more importantly requirement for investment risk. We use advanced cash flow modelling software to help you visualise your financial future and will also look at a number of ‘what if’ scenarios to really help bring your plan to life.
We will meet to present you with your plan and our proposals and make sure you fully understand the plan and any recommendations contained within so that you can make informed decisions.
Once we have agreed on your plan of action we will begin to implement our recommendations, dealing with any paperwork and liaising with any financial institutions involved as required to ensure the process is completed in a smooth and timely fashion.
Once your plan has been put in place it is important to make sure it stays on track. We will regularly review your investments to ensure the agreed upon asset allocation is maintained, rebalancing the portfolio as necessary. We will also meet on a regular basis in order to keep your plan in line with any changes in circumstances.