YOUR ADVICE JOURNEY
HELPING YOU MAKE THE MOST OF YOUR MONEY
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Our advice process is designed to help you make more rewarding financial decisions, thus giving you increased clarity and confidence about both your present and your future.
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A JOURNEY PLANNED AROUND YOU
FIRSTLY, WE FIND OUT WHAT MAKES YOU TICK AS A HUMAN BEING
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Family
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Relationships & community
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Health, spirit & creativity
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Career & work ambitions
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WHERE YOU WANT TO GET TO
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Financial independence
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Mortgage free
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A better work/life balance
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Pay for the kids’ school and university
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More spare time
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Tick things off your bucket list
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AND WHAT KEEPS YOU AWAKE AT NIGHT
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Do I have enough money?
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I’m worried about my pension
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Are my investments in the right place?
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Am I being ripped off?
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Will my family be ok financially if I die?
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NEXT, WE GET TO GRIP WITH YOUR NUMBERS
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Pensions
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Investments
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Income
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Expenditure
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Mortgage
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Insurances
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Tax position
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AND GUIDE YOU THROUGH THE TRADE-OFFS YOU CONTROL
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Spend more / less
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Save more / less
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Take more / less investment risk
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Retire earlier / later
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FINALLY, TOGETHER, WE'LL CREATE A PLAN TO OPTIMISE YOUR FINANCES
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Put £X into your pension and £Y into your ISA
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Invest in this combination of assets to get the right risk/reward journey
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Apply this strategy to protect your family if you die/get ill
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Take this action to optimise your tax position
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And make these simplifications to keep your costs down
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AND HELP YOU STICK
TO IT
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Informal quarterly check-ins to monitor progress
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Structured annual review to set plan for coming year
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THE DESTINATION
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​You’ll feel on track to meeting your goals
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You’ll sleep easy, confident about the future and relaxed in the present
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You’ll gain peace of mind through a better understanding of your finances
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And you’ll free up time, money and energy for what’s important in life
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You’ll feel secure and in control, confident that you are maximising all
of the opportunities available to you
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The value of your investments can go down as well as up, so you could get back less
than you invested.
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Tax and Estate planning is not regulated by the Financial Conduct Authority.
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