Process

Discovery

A FREE initial consultation where we build a clear picture of your current situation, your needs, and your plan for the future.

Analysis

We look at what you currently have in place, together with your plans for the future, and see if these are in line with each other.

Recommendation

We present you with a detailed, yet easy-to-understand, plan of how to achieve the life you want now and in the future. If your plan includes any new recommendations, this will be from the whole of the market, as we are not tied to one company.

Implementation

The next step is to implement the plan that we have designed for you.

Review

Remaining on track is key if you want to achieve your goals, but what happens if your goals or legislation change? With our proactive approach, we make sure that we tweak your plan as required along the way to ensure it always remains in line with your goals and is working as hard as possible for you.

The tools we use 

Tax Planning 

We make sure you are using all the government tax allowances available so that you are not paying unnecessary tax. It is always a disappointment when your investment/pension is providing good returns but then you are faced with a large tax bill when you want to use that money. We make sure you are invested to minimise the tax you pay both now and in the future. 

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE INHERITANCE TAX PLANNING.

Picture Your Future 

Cash flow modelling enables you to create a visual picture of your finances now and in the future so that you can see what needs to be done to achieve your goals.

Pension Planning

We ensure your pension(s) are working as hard as possible so that you can make the most of them in the future.

A PENSION IS A LONG-TERM INVESTMENT AND THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES, AND TAX LEGISLATION.

Technical and Research Expertise

So that you know your investments are invested in the best place for you, our technical and research team search the whole of the market and find the correct solution for you.

THE VALUE OF INVESTMENTS AND INCOME FROM THEM CAN GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

Protection

If necessary, we advise on life insurance, critical illness insurance, and income protection so you are protected against any nasty surprises you meet along the way.

THESE PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.