Financial Planning Services

Financial advice can give you a plan to help you reach your stated financial goals. Your Financial Advisor will produce this plan utilising financial products which they consider the most suitable for you. Our financial planning advisors are supported by a team of qualified researchers and administrators who will assist them in creating your financial plan.
Financial advice is as unique as you are. What do you want to achieve? Retire earlier? Invest a windfall? Protect against the unexpected? We can help.

The first step is to get in touch. Let us know what you’re looking for and your current financial situation. We’ll start with an informal chat and find out whether financial advice could help you. There’s no obligation to proceed to advice.

What areas in financial planning can you help with?

Our advice is holistic, and will look at the whole picture of your finances. Our financial advisors can cover:

• Investment planning – access the whole of the market to deliver against your growth needs and appetite for risk.
• Planning for retirement – Once you’re in retirement your financial needs can change. We can help you consider future changes and how they will affect you.
• Passing on wealth – We can work alongside your Solicitor or Accountant to help you pass on your legacy to your loved ones.
• Family financial planning and protection – Protect against the unexpected.
• Corporate and Director financial planning – We can advise individuals with more complex financial needs, such as Company Directors. Our Corporate team can also provide business advice.
• Mortgages – Our mortgage team can guide you through your mortgage journey from start to finish.

The term ‘financial planner’ is not controlled in the UK. Anyone can use it. At Wren Sterling, we’re Independent Financial Advisors – which can be a bit of a mouthful. You can find out more about what we do in our financial planning brochure, but here’s the cliff notes.

• We provide a plan ahead, not products. Our independence allows us to recommend products from right across the market, giving you the greatest choice, whilst ensuring our advice is independent from any one provider.
• Our on-going advice can keep you on track for the long term. We are committed to developing long-standing client relationships that span generations allowing us to help you and your family achieve your lifetime financial goals.
• Looks at the whole picture, not just one area. We plan your finances to achieve your long term goals, incorporating tax planning, protection and regular reviews to ensure your plans are still right for you in your unique situation.
• Regulated Financial Advice. Wren Sterling is authorised and regulated by the Financial Conduct Authority so you can be certain we are working to industry standards at all times.

A clear financial plan can give you a goal to work towards. It provides a structure to help you make the most of your money and achieve your financial goals. It can make the future less daunting by giving you actionable steps you can take today that will make a difference to your future.

Your financial plan should take note of your financial situation, your assets and outgoings, as well as future events where you’re expecting to need your funds .

• Your financial situation – your budget, your assets and outgoings. Do you have funds for emergencies?
• Risk – What role does risk play into your current financial planning? Are you comfortable with this level of risk?
• Investment portfolio – What does your investment portfolio look like?
• Retirement – when do you want to retire? What are your lifestyle expectations, and can you afford them?
• Tax – Include your tax calculations. Make sure you’re not paying unnecessary tax.
• Pivot – Under what circumstances would your financial plans need to change?

We’ll often have an informal chat before proceeding to financial advice. We’ll get to know you and whether we can help. When you’re ready for financial advice you’ll need access to information about your income, savings, insurance policies, pensions and any debts – including mortgages.

You will also need to talk about your goals, what motivates you, and if there are any big life events in your future. It could also help to talk about any previous experiences with financial planning (what you did and didn’t like) and how you feel about investing.

We believe it’s important that you fully understand the process you’re going through and the options you have. This enables you to make confident and informed decisions about your future.

• Gather the facts – In your first meeting we’ll get to know you, your hopes and financial aspirations. Our conversation will form the foundation of our recommendations for you.
• Analysis – We’ll look at your assets and future expectations and gauge whether you’re on track to achieve your goals.
• Build your plan – We’ll build a plan taking into account your previous experience and attitude to investment, explaining how our recommendations come together to deliver your financial objectives.
• Implementation – Should you decide to adopt our recommendation, we’ll make the necessary arrangements for any plans and policies to be put in place.
• Maintenance – You can choose to take one off financial advice, but our ongoing clients can have regular planning meetings to discuss any changes and keep your plans on track.