Our process

01 Discovery

Finding your starting point

Every journey begins with understanding where you are today. We start by getting to know you: your goals, values, lifestyle, and current financial picture.

This is a relaxed, open conversation where we listen first, ask the right questions, and help you clarify what financial success looks like for you.

During this initial stage, we will:

• Discuss your personal and professional goals for the short, medium, and long term.
• Explore any challenges or concerns you have about your finances.
• Identify key priorities and define what success means to you.
• Understand your attitudes towards risk, investment preferences, and lifestyle needs.
• Gather detailed information about your income, expenses, assets, liabilities, and existing financial products.

This stage ensures that any plan we create is rooted in a thorough understanding of your unique circumstances, so we’re in agreement on where you want to be heading.

02 Mapping the route

Creating your personal plan

With your destination in mind, we build a personalised financial roadmap.

We’ll assess your income, savings, pensions, tax position, and any other relevant factors to develop a clear, tailored strategy that supports your short-, medium-, and long-term goals.

At this stage, we will:

• Analyse your current financial position in detail.
• Develop a comprehensive financial plan covering areas like retirement planning, investments, tax efficiency, protection, and estate planning.
• Run scenario modelling to show potential outcomes based on different assumptions.
• Highlight any gaps or risks in your current arrangements.
• Present a clear, step-by-step strategy with recommendations tailored specifically to your needs.

Our goal is to create a roadmap that’s practical, actionable, and adaptable as your circumstances change.

03 Clearing the path

Putting the plan into action

Once you’re happy with the plan, we take care of the details – from implementing investments and protection to consolidating pensions or improving your tax position.

We remove the complexity, explain everything clearly, and keep you fully informed throughout.

In this phase, we:

• Help you select and set up appropriate investment products aligned with your risk profile.
• Assist with pension transfers, contributions, or consolidations where beneficial.
• Arrange protection cover, such as life insurance, critical illness, or income protection to safeguard your financial future.
• Coordinate with other professionals (such as tax advisers and solicitors) where necessary.
• Provide ongoing support to answer questions and facilitate a smooth implementation.

We act as your guide to remove confusion and make the process as straightforward as possible.

04 Staying on course

Ongoing guidance and adjustments

As life evolves, so should your financial plan. We provide regular reviews and proactive advice to make sure you stay on track, adapting if and when needed.

Financial planning is an evolving journey. Our ongoing service includes:

• Scheduled reviews to assess progress and make adjustments based on changes in your life, goals, or the market.
• Timely advice to respond to new opportunities or challenges.
• Updates on regulatory or tax changes that could affect your plan.
• Support through significant life events like starting a family, selling a business, retirement, or bereavement.

We deliver regular reviews and proactive advice, adjusting your plan so it always reflects your current life and keeps you focused on your long-term goals.