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YOUR ADVICE JOURNEY

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FINANCIAL ADVICE THAT’S AS UNIQUE AS YOU ARE

The overall aim of the financial planning process is to help you reach your financial goals and develop or maintain your desired lifestyle, in the most efficient way possible.

We therefore adopt a systematic consistent approach which ensures the needs of our clients come first and aims to deliver a ‘Successful Financial Planning Experience’. The Process is generally broken down into 6 steps, commonly adopted by leading Professional Financial Planners.

Step 1. Discovery meeting

The purpose of the Discovery Meeting is an opportunity for you to get to know us, ensuring you feel comfortable about what we do and how we do it. It is also an opportunity to establish an outline of your objectives and whether we will be able to add significant value to your planning.

Step 2. Establish your objectives

Only if clients are comfortable, the Discovery Meeting can lead to an immediate detailed discussion about your plans. This is where we gather details about you and try and understand as much as we can about what really matters to you. What you care about? What interests you? What your fears are? What would you do if money was not an option?We will help you identify and articulate the answers to these important questions.We will also gain a complete understanding of your current financial situation.The more detail the better, because the clearer the picture of you and your finances is, the clearer the starting point of your journey.

Step 3. Analyse your planning

Using the information gathered, we now work as your Financial Planner and take a comprehensive look at the tangible financial elements that make up your life such as your savings, investments, protection, retirement, tax position and estate planning.

Step 4. Prepare & present your wealth management plan

From our analysis we then develop a highly specialised bespoke ‘Wealth Management Plan’ for getting you from where you are today to where you want to be in the future. We assess your objectives to determine any ‘gap’ between the goal and the reality. This ‘Gap Analysis’ will enable us to clearly understand the journey you will need to travel in order to achieve your goals and live the life you want.

At this stage of your planning, this is an opportunity for you to see into the ‘future’ using our Cash Flow Forecasting Service. If there is anything you do not like about the ‘future’, you have an opportunity to come back to the ‘present’ and make changes to your planning.

Step 5. Implement plan & recommendations

Once we have reached agreement with you, we can begin to implement the strategy. This is an important and critical stage and various factors will need to be considered. As some plans may take several weeks to implement, we ensure you are aware of all timescales prior to implementation whilst keeping you informed of progress at all times.

Step 6. Monitor & review your planning

After a comprehensive Wealth Management Plan has been implemented, it soon becomes out of date, either because economic, tax or external conditions have changed, or your circumstances may simply have moved on.

For these reasons, we have put together a comprehensive Wealth Management Review Service that monitors and evaluates your progress. At this stage any adjustments or modifications can be accommodated into your Plan.

At this stage, we take the opportunity re-visit our relationship with you to ensure you are completely satisfied with our approach.

The value of investments and the income they produce can fall as well as rise. You may get back less than invested.
Estate planning is not regulated by the Financial Conduct Authority.
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OUR INVESTMENT SERVICES

Discretionary Service

Taking the work out of managing your investments

Advisory Service

The final investment decisions remain with you
Discretionary Service

This service may be particularly suited to people who want to be kept up-to-date with their finances, but either do not have the knowledge or expertise to manage their own portfolio – perhaps because they lead busy day-to-day lives or because they are enjoying retirement and wish to travel.

The value of investments and the income they produce can fall as well as rise. You may get back less than invested.

Advisory Service

The advisory service is designed for people with all levels of experience who want to take an active interest and be in control of the construction and ongoing maintenance of their portfolio, but wish to take advice on the strategy employed and the assets to be held.

The value of investments and the income they produce can fall as well as rise. You may get back less than invested.

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WE’RE WITH YOU EVERY STEP OF THE WAY

With over 20 years of financial services experience, from mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

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20 +

YEARS OF FINANCIAL EXPERTISE

We love our job and hope that shows through when there is nothing about the industry that our team do not know.
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100 +

Mortgages To Suit You

No matter your circumstances, we are here to get the right mortgage for you.
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FIRST TIME?

First time buyer mortgages

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MORTGAGES

Looking for a mortgage deal?

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PROTECTION

How to protect your mortgage

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REMORTGAGE

Get great remortgage deals

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READY TO DISCUSS YOUR OPTIONS?

With hundreds of mortgage products available, you can be sure that our experienced team will find a great deal for you.
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SEE HOW WE’RE BEING RECOMMENDED

We’re proud to have been recommended by our local customers of St Neots

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