Financial Planning Process

Financial Planning Process

The process we use to achieve your financial prosperity and provide peace of mind is outlined below.

Initial Meeting

We start by listening and getting to know you, your immediate concerns and your future aspirations. After gathering all the relevant life and financial information, we will briefly outline how we can assist you, and upon your agreement work together to discuss a fixed, transparent fee structure before we start our analysis.


By analysing the information we have gathered, we will use our expertise to identify and develop solutions to fulfil your short, medium and long-term needs and goals.


Upon your agreement to proceed, we will activate the plan and implement the appropriate solutions.


One of the most critical aspects of financial planning is to regularly review your circumstances and adapt existing solutions or recommend new ones to make sure that you are on the right track at all times.


At our next meeting, we will provide you with a comprehensive report outlining a bespoke strategy designed to achieve your financial objectives.

Investment Strategy Process

The process we use to assess your attitude to risk, capacity for loss and agreed investment portfolio.

Investment Risk

The first stage in any investment strategy is to determine your attitude to investment risk. Once we have discussed and established a risk profile that you are entirely comfortable with, we can move forward.


Upon your agreement to proceed, we will action the strategy and implement the appropriate solutions.

Tax Wrapper

Your investments should be established within the most tax efficient vehicle appropriate to your circumstances and needs. We take into account all tax implications before proceeding with an investment strategy.

Asset Allocation

Asset allocation ensures that the correct combination of asset classes is tailored to meet your attitude to risk. It is essential to allocate the right amount into the various asset classes such as cash, gilts, bonds, property, equities, etc. to maximise your returns while providing the protection that your risk profile merits.

Fund Allocation

Utilising our expertise and extensive research systems, we allocate the most suitable funds to each asset class and create your investment portfolio. 

Regular Review

Our research team regularly review both our asset allocation models and chosen funds to ensure they remain appropriate to your strategy. We advise our clients if any changes are required to their portfolios at regular review meetings.

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