A clear, step-by-step approach, so you know what to expect at every stage.
Your first meeting is all about understanding your situation. We’ll send you a secure link to our portal, and ask you to complete a financial planning questionnaire.
After this, we’ll send you forms to gather details from your existing pension, investment and protection providers.
This gives us insight into your existing arrangements and allows us to build up a more accurate picture of your current financial position.
We’ll introduce you to your adviser and explain exactly how we work together. You’ll receive key documents, including our Client Agreement, Service Proposition, and Privacy Statement.
Behind the scenes, we’ll review your information, research suitable solutions, and consider factors such as risk, timelines, tax efficiency, and current investments.
Once our research is complete, we’ll invite you to book your Discovery Meeting to explore your personalised plan.
This is where your vision for the future comes into focus. We can help you understand what options you have around longer-term issues, such as retirement, estate planning and looking after your family.
Once your financial needs are clear, the next step is to be clear on your priorities. Together, we’ll explore which goals take precedence and how they fit into your broader plan.
Your bespoke financial plan is presented, analysed, and adjusted to suit your circumstances. We’ll also review your current investments and verify your identity, ensuring everything is accurate and in place before moving to recommendations.
We’ll share a detailed report outlining your current position, our analysis, and recommended next steps. You may invite family or professional advisers to the meeting.
All recommendations are personalised, balancing your goals with your risk appetite, and clearly showing any associated costs.
Supporting information, illustrations, and product brochures are included, and we’ll agree on any additional meetings if needed to make sure you fully understand the plan.
This meeting will typically last between one and two hours, depending on the complexity of your situation – this is generally at our expense unless agreed otherwise with you beforehand.
If our recommendations involve putting in place any financial products, we’ll handle the paperwork and payments for any financial products on your behalf.
From submitting forms to confirming transactions, we’ll aim to make the process simple and straightforward, so that everything is set up correctly and efficiently.
We’ll also keep you updated at every stage, so you are always aware of where you stand.
We’ll agree with you at this stage whether we’ll provide any ongoing services, what those services will include, and the cost of those services.
Some clients prefer one-off support, while others value regular reviews to keep financial plans on track. Optional ongoing services are designed to monitor your arrangements, respond to life changes, and help you stay focused on your long-term financial goals, without ever losing sight of the personal touch.
The value of your investments can go down as well as up, so you could get back less than you invested.
The Financial Conduct Authority does not regulate tax or estate planning.
Here, you’ll find straightforward answers to common questions, from how we work to what you can expect when you start a conversation with us.
Meetings can be held anywhere convenient to you. We have meeting space at our office in Sutton Coldfield, at your home or workplace, online (via Teams or Zoom), or at another suitable venue of your choice.
No, we offer free initial consultations with no obligation.
Prior to the discovery meeting, we will send you a link to our portal to complete a fact find. In addition, we ask that you bring any policy information relating to pensions, investments, or protection policies you hold, as well as two forms of ID.
No. Following the initial discovery meeting, we will arrange a second meeting where we present our recommendations. At that stage, an agreement is made on how to proceed with services and advice.