How it works

A process tailored for you

When it comes to financial advice, a one-size-fits-all approach simply doesn’t work. That’s why the plans we create are designed for you and you alone.

Because life is complex enough, you won’t have to spend hours digesting confusing information when you deal with us. There are just six simple steps to success, and you can learn more about what’s involved in each of them below.

Discovery

Arguably the most important part of the advice process is the discovery meeting. This is where we get to know you and find out about the goals, dreams, and aspirations.

We take the time to listen to your story, and find out what’s important to you and what you worry about. This information is vital for creating a personalised financial strategy that doesn’t just focus on the money, but instead on what the money is for.

This approach ensures that the subsequent planning and conversations are focused on helping you plan proactively to reach your desired future state.

Fact-find

Next, we have to figure out how much capital you’re going to need to achieve your goals.

The purpose of the fact-finding process, then, is to collect detailed financial information to help us design your bespoke financial plan.

Together, we’ll look at your assets as they stand, and assess your attitude to risk so everyone involved is clear about what you’re comfortable with.

Master plan

Armed with the information you gave us at the fact-find stage, we’ll produce your financial master plan.

This part of the process is all about agreeing on a strategy that’s effective and affordable, and gives you the best possibility of reaching your cherished goals.

After meeting with you to make our suggestions, we’ll produce a personalised summary report that confirms what was discussed, provides cashflow forecasts, and outlines the agreed priorities.

Research

Once you’re happy with the master plan in principle, we can begin carrying out the vital research needed to find the most appropriate solutions.

As your adviser, Harry will look at the kinds of assets that have historically been most likely to produce the returns you need to meet your goals. He’ll also carry out an in-depth analysis of your existing assets to ensure they’re suitable for your agreed strategy.

Since we’re fully independent, with no third-party ties, we’re free to recommend products from the whole of the market rather than one particular provider.

Implementation

To bring your plan to life, you’ll be invited to an implementation meeting where you’ll see the results of our research.

Give us the go-ahead, and we’ll set the wheels in motion, creating a diverse set of investments within the agreed asset classes – otherwise known as a portfolio.

One month after everything’s up and running, we’ll hold a “welcome” meeting to make sure you’re comfortable that the strategy has been implemented correctly and discuss the next steps.

Review

From this point on, it’s just a matter of helping you stay on track through all the stresses and strains of your investing life.

In the long run, this is likely to be the most important service you get from us, helping you to check on progress, discuss changing circumstances, and so on.

You’ll usually meet with us once a year, but like everything else, it’s completely up to you.

This website is for information purposes and does not constitute financial advice, which should be based on your individual circumstances.
Investment can fluctuate, and past performance does not guarantee future performance.
The value of investments and any income from them can fall as well as rise. You may not get back the full amount invested.

Our investment philosophy

Entrusting someone else to handle even a part of your wealth isn’t a decision to be taken lightly. Read more about our approach to investing, and the things we’d never do with your money.

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