Where do we start?

We want to provide you with the clearest possible financial direction.

So the first simple step is for us to fully understand where you are now, and what you want to achieve. From this we will prepare an analysis and options report, with our recommendations.

It is then entirely up to you whether you want to proceed.

Initial meeting, no obligation or charge

You tell us about your current situation, needs and priorities. We explain how we could help you, and set out our services and payment arrangements.

Building your plan

We review any policies you have (investments, insurances and borrowings), and build an individual financial plan for you. If your existing policies do not meet your current needs and circumstances, or are not the most suitable for you, we research possible new solutions, and get illustrations and information brochures for you.

Analysis and options report

We explain our findings and a potential financial plan for you, including investment recommendations if appropriate. We sit down and explain how we believe these will help you achieve your objectives and priorities.

You decide if you want to proceed

If you decide to proceed and new transactions are involved:

1) We help you to complete the documentation.
2) We check it and submit it, including verifying your identity and providing a certificate to the provider for their records.
3) We liaise between you and the provider on anything else such as trust forms or medical tests.
4) We receive your policy documentation, check it is correct and send it on to you for safekeeping.

If you choose to exclude a particular financial area, we can provide limited advice. Although we will still follow our financial review process, limiting the information you provide to us could naturally detract from the completeness of the advice we give, and affect how appropriate it is to your circumstances.

Any commissions we receive will be refunded to you to offset the fee where allowed by the contract, or used to enhance the policy.