There are six stages to our financial planning process, each of which is separately costed:

1. Engagement
2. Discovery
3. Research and Analysis
4. Presenting the Financial Planning Report
5. Implementing and Recommendations
6. Ongoing Service and Reviews

Each of these services and the associated costs are explained below.

1. Engagement

The initial consultation will comprise of:
An initial meeting with one of our qualified financial planners.
A chance to ask questions and understand what we do.
An opportunity for us to find out what help you require.
A discussion of the options available to you from our menu of services.
Information about our charges.

2. Discovery

Once you have decided which level of service is right for you, we then start to establish the following:
A refinement of your financial goals.
A background knowledge of your current financial circumstances and personal information.
An investigation into your knowledge and experience with investments.
An assessment of your attitude, tolerance and capacity for investment risk.

3. Research and Analysis

Having established the framework of your personal and financial circumstances we then carry out the detailed research and analysis. This involves the following:
We read all the small print on your existing financial planning.
We use industry leading technology to source the most suitable products and funds.
We collaborate with our colleagues who are specialists in their respective fields of finance.
We consider all the various tax strategies .
We decide on an asset allocation which matches your risk profile.
We draft your financial plan.

4. Presenting your Financial Plan

Following the production of your financial plan we then arrange a meeting to present your financial plan. This gives you the following:
A comprehensive understanding of your current financial planning and how close to achieving your financial goals you are.
An understanding of our advice and recommendations to improve you financial planning where needed.
An opportunity to ask any questions which arise.
An opportunity to fine tune any details.
When you receive our report/financial plan it will be your decision whether to implement our recommendations either completely or in part.
A clear breakdown of what our fees are for implementations is included in our client agreement which you are in receipt of.

5. Implementation of our Advice

The implementation of our recommendations includes, where appropriate:
The handling of all fund and policy administration on your behalf.
Regular updates to keep you informed of progress.
Ensure all your documents are issued in line with your expectations.
Confirmation of all actions taken on your behalf in writing.

6. Ongoing Servicing and Reviews

Your financial objectives may change over time due to changes in your lifestyle or circumstances. We believe it is essential to ensure that your portfolio continues to meet your lifestyle and investment objectives. Our ongoing review and management service offers:
Structured reviews to give you piece of mind.
Assessment of your current circumstances and any changes to your plans that are needed.
Regular updates and information regarding your holdings.
A choice of differing levels of support depending on your needs.
Ongoing support with correspondence and administration issues.