How we work
As Independent Financial Planners we help reduce our clients’ tax liabilities, optimise investment returns, ensure the family wealth & security remains in tact and borrowings are charged at the most competitive rates.
Every client is unique, they all have different backgrounds, circumstances, experience of financial services, objectives and needs. Hence we seek to tailor our offer and service to each and every client to the best of our ability.
First we take time with our clients to understand them, what motivates them and concerns them. What they want to achieve personally and financially and what they have in place to date and have already achieved. We can then establish where the shortfalls exist between where they are now and where they want to be and agree the priorities for consideration.
For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free. If either of us feel that there is a mismatch at this point we can agree to call it a day and there is no charge to you. If however there is agreed synergy and mutual value then we can move forward
A full report is put together which fully analyses the situation for the client and acts as a record upon which future decisions can be made. This gives them a strong platform upon which to deliver their objectives. Once we have this on record it is a relatively simple exercise to maintain them over the years should we have a review agreement with that client.
There is a fee for this review and initial report, which is charged accordingly the breadth and complexity of the discussions and client situation.
Once our clients have agreed the figures and priorities within this report, they will establish if they want to take any action and may seek further advice from us to resolve these problems. We will then assess all the options open to the client, select what we believe to be the best course of action, document our recommendations fully including details on all the risks and issues that they need to be aware of. The price for this report varies in every situation as the depth and breadth of each client’s situation is so different. However they are informed of the price before we proceed and this price is fixed, as are all our prices unless our clients wish otherwise.
Finally we may implement the selected recommendations, tie up all the paperwork, liase with the organisations to whom we are entrusting the clients’ money and ensure it is all set up correctly and efficiently. It is usually cost effective for our clients to allow us to complete the final piece of the jigsaw, but not always.
At each stage therefore our client is in control as to whether they want to progress with the relationship. Before we undertake the next phase of the work, we agree a fixed fee with our clients for that element of the job.
