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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

  • Relationships & community

  • Health, spirit & creativity

  • Career & work ambitions

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WHERE YOU WANT TO GET TO

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  • Financial independence

  • Mortgage free

  • A better work/life balance

  • Pay for the kids’ school and university

  • More spare time

  • 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?

  • I’m worried about my pension

  • Are my investments in the right place?

  • Am I being ripped off?

  • 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

  • Investments

  • Income

  • Expenditure

  • Mortgage

  • Insurances

  • Tax position

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AND GUIDE YOU THROUGH THE TRADE-OFFS YOU CONTROL

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  • Spend more / less

  • Save more / less

  • Take more / less investment risk

  • 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

  • Invest in this combination of assets to get the right risk/reward journey

  • Apply this strategy to protect your family if you die/get ill 

  • Take this action to optimise your tax position

  • 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

  • Structured annual review to set plan for coming year

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THE DESTINATION

  • ​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

 

  • 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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