The process normally starts with an initial meeting or phone call with a financial adviser, where you will discuss what you are looking to achieve and what’s important to you. Our adviser will also ask you for some personal details, such as contact information and information about your current circumstances.

If you have existing policies that could be used towards your goals, it is important that we analyse these to determine whether they are set up appropriately for your circumstances.

We would then normally arrange a second meeting to start to create your personalised financial plan together. At this point, we would conduct a detailed income and expenditure analysis, as well as obtaining other pieces of information to be able to provide you with holistic advice. The more open our clients are about their objectives and thought processes, the better we can tailor our advice.

We prepare a detailed report for every recommendation, and will talk you through it in detail. If you agree with our recommendations, we will start to implement our plans and get you on the path to achieving your goals.

The process doesn’t stop once we start to implement financial plans – we will conduct a review with you at least annually to assess progress against your plan.

You can contact your adviser as often as you like – we’re here to be your sounding board for financial decision making, to help you make plans, and to explain the world of finance in a way that makes sense, so that ultimately, you can get to where you want to be.