The first and most important step we take together is to ensure we gather all the relevant information about you and your financial requirements. We start with a free, no obligation meeting. This is very much a two-way process. We learn about your financial needs, and you have the chance to learn more about the way we work and the services we offer. We’ll explain our charges too.
Meeting your needs
Together, we build up a clear picture of your current financial situation and your personal, family or business aims. We’ll get to know more about you and look at your current situation, your income and assets, commitments and outgoings, any existing insurance and investment plans you have in place, and your attitude towards financial risk.
We’ll then undertake a detailed analysis, research the products and services that will help you attain your financial objectives and develop a plan of action.
At our next meeting, we’ll explain our recommendations and the thinking behind them, and agree what the priorities are in order to get your financial plan up and running.
Putting your plans into action
With your agreement, we make all the necessary arrangements. Financial form-filling can seem daunting, but we’ll make the process clear and straightforward, and explain the various documents involved. We’ll pass on all the completed policies or contracts to you for your records.
Of course, our service doesn’t just end there. We’ll make arrangements to keep in contact so that we can discuss any life changes you’ve experienced and ensure they are adequately reflected in your financial plan, and review any investments you made with us to ensure they are still right for your needs. We’re never more than a phone call away, so if you have any queries or questions we’ll be on hand to help.
How we’re paid
We’re sure you’ll agree that good advice is worth paying for. Here’s how we get paid for what we do.
- Life and general insurance policies – we’re remunerated by the commission we receive from the insurance providers
- Investment products such as pension schemes and some mortgage products – we charge a fee based on an agreed amount of paid work, irrespective of whether any plans are arranged or not.