Our process for providing quality financial advice

1. Understanding You
By gathering information from you we will find out about any plans you already have in place. Then by exploring your attitude to risk and return, and your hopes and aspirations, we will build a picture of what you want to achieve. At this stage you will find out what to expect from us and how you will
benefit from using us. We do not usually charge a fee for this stage.

2. Planning
We’ll explore and research various scenarios to make the best use of your existing plans. We’ll then recommend how you can build on your existing plans so you give yourself the best chance of achieving your goals.

3. Implementation
Like most of our clients, you will probably prefer us to do the necessary work to put your plan into action. This will save you a lot of time and effort and ensure your plans are set up correctly. We will charge you a fee for doing this, which we will explain to you. Alternatively, you may decide to implement our recommendations yourself, in which case we just charge you for our time and advice.

4. Review
Nothing stands still, so it makes sense to review your plans regularly. We suggest you do this annually. This way you will find out if your plans are affected by changes to legislation or taxation. You will also hear from us if we have something that we feel will interest you.

You will receive clear details on what the total charge is, the advice or service it relates to, how we’ve calculated it and when you need to pay.
You are not obliged to implement any of our recommendations. However, we may still charge a fee for our advice.

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