Don't Just Stand There, Do Something!
Making Hasty Changes to Your Portfolio In Response to Negative Press Comments Is Tempting, but It Is Rarely the Right Course of Action
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YOUR ADVICE JOURNEY
HELPING YOU MAKE THE MOST OF YOUR MONEY
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.
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
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
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?
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
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
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
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
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
The value of your investments can go down as well as up, so you could get back less
than you invested.
Tax and Estate planning is not regulated by the Financial Conduct Authority.
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