We know that every client is unique with their own set of circumstances and aspirations.
So, we offer all prospective clients an exploratory meeting, which carries no obligation to engage. The purpose of the meeting is for us to understand what you are seeking to achieve, for you to hear about us as a team so we can establish whether we can add value for you. If we are not able to add value, we will say so and will try to signpost you to a more suitable advisor.
If we agree to proceed, our first step in helping you develop a plan that is right for you involves something we call Our First Conversation™, an easy to complete questionnaire which helps you identify the things that really matter to you and to identify any concerns that need to be addressed.
We have also developed a unique holistic approach to financial planning, the Financial Empowerment Programme™. Its six linked stages allow you to work out where you are now, what you may need in the future and how you may reach your goals and aspirations.
We begin by gaining a full understanding of what you want to achieve and conduct a thorough appraisal of your financial situation. From this data, and based upon agreed assumptions, we can carry out detailed analysis to determine what actions need to be taken by you to achieve your objectives.
The results of our analysis are then embodied in a written report delivered face-to-face (or by video call if unsafe to meet in person) which includes generic advice and provides a platform for making strategic decisions. This then enables us to provide generic advice as a precursor to making specific recommendations and to implement your financial plans.
Our Investment Philosophy is based on gaining a clear understanding of your attitude to risk and on producing appropriate tailored product and service solutions. In doing this, we review the whole marketplace to find investments that are just right for each client. We rigorously avoid showing any preference for specific providers and will not suggest any changes to your current investments if they are already the best for you.
Our recommendations are aimed at achieving a solid long-term rate of return while minimising expenses and taxes and help you to achieve your financial goals without being exposed to unreasonable levels of risk.