The Five Stage Process

The Five Stage Process

To ensure our advice is tailored to your requirements, we have devised a five stage process that evaluates your present financial plans and future objectives, recommends and implements necessary changes and undertakes regular reviews with you to monitor progress and make any required adjustments.

Stage 1 – Learning about you

Your financial plan will be personal, flexible and individual. To ensure this we have to learn about you. What your priorities are. What are your short, medium and long term objectives? What is your attitude to risk? This will help us to understand you, your hopes and your dreams.

Stage 2 – Your current situation

Are your existing investments right for you? Are they helping you achieve your financial goals? By reviewing your existing investments, we can compare them with similar funds, sector averages and your attitude to risk to ensure your investments are working for you and your financial future. We will also look at any potential tax and cost savings that can be achieved.

Stage 3 – Designing your Personal Financial Strategy

You are unique and your personal financial strategy will be bespoke for you and your family. Stage three focuses on bringing together the right balance of investments and financial instruments to meet your short, medium and long term objectives in a flexible, tax efficient and cost effective way.

Stage 4 – Implementing your Personal Financial Strategy

Having entered into a commitment to work together, we will agree with you the priorities and timescales in establishing your Personal Financial Strategy. This is where creating your financial security starts. We will take responsibility for administering and arranging the components of your plan and providing you with an up to date summary of your objectives, portfolio and our recommendations. You start putting your life plans and dreams into action.

Stage 5 – Stay on track with regular reviews

Reviewing your goals and objectives in our regular review meetings is a vital part of the process. Ensuring that your plan is on track gives you the peace of mind to enjoy the things that are important to you. There are always unknowns and uncertainties in life and your circumstances and priorities can change. At any point, we are able to react and modify your personal financial strategy to accommodate any changes that may occur.

*The value of your investment can go down as well as up and you may not get back the full amount invested.

 If you’re looking for financial advice then come and talk to us in person, we’ve always got the kettle on ready!