SERVICES
Our job is to give you honest, independent advice on your personal finances.
FINANCIAL STATUS EVALUATION
A review of your overall financial wellbeing to give you clarity on your current situation.
FINANCIAL INDEPENDENCE PLANNING
A plan to help you create order, and organise, your finances.
INVESTMENT PORTFOLIO CONSTRUCTION
To create the 'engine' in the background that suits your plan.
The financial planning journey
1. Life admin
The first stage of the financial planning journey is understanding exactly what your personal finances currently look like. We will work with you to shed light on old policies, savings plans, and pensions.
2. Finding joy
To tailor your plan to you, we will help you to clarify your 'why'. By understanding what inspires and motivates you, we can recommend any adjustments necessary in your current financial situation.
Investments are like a sailing ship: once your course is set correctly, only slight movements on the tiller are then required.
3. Setting the course...
The only thing we sell is our advice. We will give you our honest opinion on the best options available to you, based on the whole market. But our advice does come with a lot of administrative help - from forms and applications, to online accounts and income planning. In effect we will carefully craft your plan with you, and then help to put it in place as well.
4. ...and adjusting the tiller
Once in place your plan will be regularly reviewed, and we will advise you of any necessary financial housekeeping through the year.
Myth: you need a financial adviser
Truth: You don't. You can do it all yourself if you have the interest, time, and energy.
We work with the people who want a little extra guidance, who are too busy doing other things, or who simply want to know that someone else is keeping an eye on it all.
Fees
INITIAL MEETING
This is usually at our expense. An initial meeting allows us to get to know you as much as you getting to know us.
FINANCIAL STATUS EVALUATION AND PLAN PREPARATION
We will try to estimate the cost of your plan preparation after our initial meeting. This will give you an idea of the scope of the work involved. Depending on the complexity required this can range from £1,000 - £5,000, for example. We will always try to work out the most efficient way for this charge to be met, and if possible will 'pay for ourselves' in reduced providers fees (compared to access without an adviser), reduced investment fees, and increased tax efficiency.
ONGOING CARE
We make an ongoing charge of 0.5% p.a. on all investments and plans put in place. This is usually paid directly from your plans, and allows us to review, maintain, and keep up your financial housekeeping.