Our Approach

Our advice process is carried out in a number of stages. We have developed this over a number of years and refined it by taking account of valuable client feedback. We work on an appointment basis, which means that you can be assured that we will contact you at the agreed time.

Initial Discussion

Our first telephone consultation is free of charge, no obligation and is aimed at introducing ourselves to you and taking the time to get to know you. We’ll ask you questions about the particular areas of your financial situation that you would like to explore in further detail, such as retirement planning, investments or inheritance tax planning.

By the end of this initial conversation we will have established your financial planning priorities and discussed the services we offer and the next steps in the process.

We’ll follow this call up by sending you some documents confirming our discussion and the fees that would be likely to charge for the work. We’ll also book in a convenient time and date for a follow up call to discuss these points further.

Second Discussion

Once you’ve had time to read the documentation, we will have a second discussion which will be focused on familiarising you with our advice process and the next steps to follow, should you be keen to proceed. The fees that you pay will be dependent upon the nature of the advice that you require, we will take the time to fully explain these to you and ensure that you understand how they have been calculated; we won’t proceed with any work until you have agreed and confirmed that you are happy with the fees we have set out and there are a couple of options available for how they can be paid. If there’s something that you aren’t quite sure about in the documentation or regarding our fees, please ask and we’ll be more than happy to explain it.

Fact find Call

We’ll already be familiar with your personal situation and aspirations, but before we can go ahead and provide you with advice, we’ll need to have a more in depth discussion around your current financial and personal position, plans for the future and your financial objectives.

This information will be used as the basis for any advice and recommendations provided.

Cash Flow Modelling

We have access to a sophisticated Cashflow modelling tool, which allows us to use what we’ve learnt about you to produce a bespoke report summarising the status of your current financial position. If it doesn’t look like you will quite achieve your aims within the agreed timeframe, we can use the data to provide guidance on how making changes to your existing investments and savings and/or making additional contributions could help you to get closer to meeting them.


We will take the information that you have provided us with during our conversations and use this to construct a bespoke recommendation report, which is tailored to your specific circumstances and investment requirements. This will summarise what we have discussed, the outcome of any research carried out, our recommendations and the rationale behind these.


After giving you the opportunity to read and digest the contents of our report, we will call you to discuss your thoughts on the recommendations and to answer any further questions you might have in relation to the advice provided.

Following this, if you are happy to proceed with the recommendations, our administration team will immediately begin the application process and will stay in contact with you at every step of the way.

Ongoing Service

The investment solution that we provide should be considered as a long term strategy, which will require monitoring and periodic changes to ensure that it remains aligned to your financial objectives over time. In order to satisfy this requirement, we encourage all of our clients to review their plans annually via our ongoing advice service.

This will be discussed during more in depth towards the end of the initial advice process and we will ask you to pay a small percentage fee from your investments to cover the costs of an annual review meeting, report and the work associated with any required alterations to your portfolio.