Discovery

When we first meet, we will discuss your aims and needs in general before going on to conduct a thorough financial review. The first consultation is at our expense and you are under no obligation to proceed further. You will be made aware of our charging structure prior to any subsequent work being undertaken. You should allow up to 2 hours for us to thoroughly understand your needs and objectives.

Research

During the research process the adviser and researcher will undertake a detailed analysis and discuss the agreed needs, and using the latest software will select options from the range of financial products and services to provide a bespoke solution. We will then produce the documentation to implement the advice, including personalised quotes and key features documents. If appropriate, we will provide a full report of our recommendations for discussion with you at the subsequent meeting. We normally allow 4 hours for this stage of the process.

Implementation

At the next meeting we will discuss our research and explain how our recommendations meet your needs. If you are ready we will then complete the necessary paperwork and set up your personal client website. We then ensure that all of your paperwork is in order and undertake a compliance check to make sure that we have met the requirements of the Financial Services Authority and other regulatory bodies, which includes verifying your identity and home address.

Review

Over time your life changes and reviews are the way that you maintain your financial plans, in the same way that you would maintain your house or car.

We deal with your plan administration and keep you informed of important developments. This includes dealing with product providers, producing valuations and analysis, and may include review meetings to keep your planning on track.