How It Works

This is a question most people have. Unless you have an adviser, how would you know?

We want to keep things simple, so we break our process down into these key steps.

Some plans may take longer than others, and everybody’s experience and needs will differ.

Whatever your journey looks like, make sure you ask as many questions as you can, and make sure you are comfortable before you make any decisions.

A good plan will evolve over decades, so there’s no rush to ‘fix’ it tomorrow.

  • First things first, not every adviser is right for every client.

    Let’s have a chat and find out more about each other.

    What exactly do you need? And are we the right people for you?

  • We’ll take a deep dive into your current circumstances, and ask you lots of questions about what is important to you, and where you want to get to.

    This can be tricky, and might even be challenging, but we’ll help you along the way.

    This might be over several conversations and use different methods to collect information.

    It’s around now that we’ll talk to you about specific costs and charges, and more importantly, detail how we believe we can help you achieve your goals.

  • Now it’s over to us.

    Based on the previous steps, we’ll use our technical know-how to develop a plan that is tailored to your needs.

    We might present various options and scenarios, so we can refine the plan before we commit to it.

  • Once we are agreed on the most appropriate route towards achieving your objectives, we’ll go about making it happen.

    By this point you will already know the detail and we’ll talk you through every step of the way so you know how things are progressing.

  • Life happens.

    Any plan will evolve over time, and this is no more true than with your financial plan.

    Your world will change over the years, and so will the world around you.

    We’ll make sure we regularly review your plans to keep them relevant and on-track.

A wooden cabin in front of a lake, surrounded by tall grass, with mountains in the background under an overcast sky.

Costs

We believe in the quality of the advice and planning service we provide and believe it is important to think in terms of ‘value’ rather than ‘cost’.

But of course, it is important to understand our charges.

There are different ways to pay for our services, but the simplest way to explain what we charge is as follows:

Initial Advice

2.5%

(one-off)

Ongoing Advice

1%

(per annum)

So, as an example, if you are looking to invest £100,000 your costs would be £2,500 for the initial advice, and £1,000 per annum for the ongoing advice.

We ask for a non-refundable commencement fee of £995 in order for us to start your planning, but this is deducted from the initial advice fee on implementation.