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How we work

Financial Planning process

We are authorised and regulated by the Financial Conduct Authority (FCA). We have committed ourselves to the FCA's principles of Treating Customers Fairly, doing our bit to restore people's trust in financial advice.

Being independent means that we must source our financial solutions from the whole of the market. By acting as the agent of our clients, we ensure that our advice is not biased by connections with any other commercial organisation

As a new client, you'll get our help to review your existing financial situation and agree a realistic assessment of your likely needs and your appetite for investment risk and your capacity to tolerate financial loss.  For this, you'll need to set aside some time to talk to us - the first one-hour consultation is at our expense. There's no charge for this, and no obligation, while we find out together if it's worth going ahead.

Depending on your instructions we'll then analyse your current situation, taking into account your specific plans, priorities and targets. Our Team can then advise you in writing on anything from a short term financial objective to a full lifetime financial plan and cashflow forecast. If you need our Bespoke or Advisory services this will be followed up with regular reviews and management of your investment portfolio, with a particular emphasis on the continuing management of risk.

With our focus set largely on retirement and investment planning, we are often asked to analyse and organise existing investment and pension funds for clients. For this we use a range of modern systems such as "wrap” accounts, supermarket platforms and analysis software to source good value and appropriate assets. See further details under Investments.