That’s why understanding your options and giving yourself time to make the right choices for you is so important.
We price our service depending on the value of your investments and the complexity of work involved for us. No two cases are ever the same but we will make sure you’re fully appraised of the costs of our work before any chargeable work takes place, much like a lawyer or an accountant will do.
An independent financial adviser means a financial adviser who can recommend investments, pensions and protection products from multiple providers. If you see a financial adviser who doesn’t claim to be independent, they will still do the same process to understand your needs but they can only recommend products from one provider.
We believe in independence because we think choice is essential for our clients to ensure the plans we recommend are as appropriate as they can be.
This will depend on your circumstances and the plan we recommend. A good guide is anywhere between 4-12 weeks as we regularly have to wait for information to be sent to us from providers and then we need to book in time with you to explain the plans and for you to agree to them.
We will keep you regularly updated on progress.
Step 1: Contact us
Get in touch today to start your retirement planning journey. Tell us a bit about yourself, and we’ll arrange a meeting for you with a local financial adviser. There is no cost to you for this initial appointment, and no obligation to proceed.
Would you prefer a phone call? Let us know.
Step 2: The facts
During our first appointment we listen to your current financial circumstances; your lifestage, your hopes and financial aspirations. We work to understand any concerns you may have, and capture all of this in our ‘fact find’ which informs the basis of our analysis, planning and eventual recommendations to you.
Step 3: The analysis
We build an understanding of your current financial position. We look at your assets, liabilities, income, expenditure, pensions and future expectations. Often, we will use lifetime cashflow analysis to project possible future outcomes to gauge whether you are on track to achieve your goals.
Step 4: The plan
Building your plan involves researching the most appropriate solution and, where appropriate. an investment strategy from across the market. We take into account your previous experience and attitude to risk. You will be able to see how our recommendations come together to deliver your financial objectives.
Step 5: Implementation
Should you decide to adopt our recommendations, we will make all the necessary arrangements for the plans and policies to be put in place, with your financial adviser keeping you in the loop every step of the way to your retirement plan.
Step 6: Maintenance
Life always brings opportunities and challenges. As the financial and legislative landscape changes – our ongoing clients can benefit from review meetings were we can discuss and adjust your plan to keep you on track to achieve your financial goals.