Client Journey

Our client journey is designed with you and your goals in mind.

The process will help you to feel more confident that you have the financial flexibility to thrive, no matter what life and the markets may throw at you.

Here are the steps we follow:

1. Initial Meeting

At PWS Financial Consulting Southport, we pride ourselves on being attentive Financial Planners who prioritise understanding your immediate concerns and future aspirations.

By gathering the necessary life and financial information, we can better assess how we can assist you. If you choose to collaborate with us, we will ensure complete transparency by discussing a fee structure before commencing our analysis.

Trust in our expertise and let us guide you towards a more secure financial future.

2. Agree Service Proposition

If you agree to work with us, we will discuss a fixed, transparent fee structure before our analysis. Our different service propositions and charges are detailed below.

3. Analysis

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

4. Recommendation

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

5. Implementation

Upon your agreement to proceed, we will action the strategy. Leave us to organise the paperwork and do the heavy lifting as we implement the appropriate solutions.

6. Reviews

One of the most critical aspects of financial planning is regularly reviewing your circumstances, needs and goals.

This allows us to adapt existing solutions or recommend new ones to ensure that you are always on the right track.

Where you need investment advice, this involves the following steps:

Firstly, we look at what type of investor you are

This includes looking at the level of investment risk you are willing and able to take.

We also look at how confident you are in making financial decisions.

Secondly, most of our clients utilise our own investment solution

PWSinvest, which we believe maximises their chances of long-term investment success.

It combines academic evidence, some of the country’s leading investment research companies, and our research.

The portfolios hold a wide spread of funds invested across various asset classes. These asset classes include Equities, Bonds, Commercial Property, and Cash.

We review our portfolios twice a year which involves an email asking you for your permission to make the recommended changes.

We can look at the marketplace to recommend an alternative where our investment solution is not suitable for you.

Finally, we ensure you stay in the right investment solution

Everything changes, and we must regularly review what is right. We do not just regularly reassess the marketplace. We continuously reassess our understanding of our clients and their circumstances, too.

A second area where we can help a lot is the less tangible (but no less valuable) area of behavioural coaching. We help guide our clients towards better decision-making and staying focused on their priorities.

Important Information

Please note that the value of investments can fall as well as rise. You may not get back what you invest.