Our Service
We provide a financial planning service, we do not sell products. As a result of preparing a financial plan for our clients, there may be a need for a product but this is not the aim of the service.
Everyone of whatever age should have a financial plan. Many of us have a carear plan but few of us a financial plan. You are neither too young, or too old. If you are a young person you will need to learn how to manage your money, not build up too much debt, and at the same time save for times when you may not be able to work through, say redundancy or illness. Making sure that the family is financially secure if the main breadwinner dies, or is long term sick is also crucial.
For the ollde client lifelong financial forecasting is equally important, this helps clients as they get into their 80s and 90s feel confident perhaps to give away capital or to know that the cost of their long term care needs are covered.
Our service falls into three phases and not allclients need them all
Phase one – this is the initial meeting when we review your needs nd tell you about our service. If the financial problem is not complex you may not need any further advice. At this meeting we tell you what needs to be done and the costs
Phase 2 – if a report is needed, we will review your fnancial needs and assess your attitude to risk. We will then research your current financial position, income, expenditure, assets and liabilities and your investments. We will then put forward a recommendation as to how your current situation can be changed to achieve your long term goals. We normally quote a fixed price for preparing this report . In some instances we may work on a time basis in which case our hourly costs will be between £100 – £250 depending on the complexity of the work
At this stage we give you a guarantee – the guarantee is that we will refund the cost of the report if it does not satisfy your financial needs
Phase 3 – if you need to make investments, or your investment portfolio needs to be re-arranged, we will carry out all the administration on your behalf
Phase 4 – we insist that most clients sign up to our review service. We believe that you cannot give proper financial advice unless it is constantly reviewed. We have three levels of service, Platinum.gold and silver. Typically a client with a relatively straightforward financial situation would need the silver service and receive one review a year and ongoing administration of the investments.
Additional Services
If you look at our corporate section of this website you will see that we work closely with employers to set up and administer employee benefit schemes for their employees
We run two specialist services, money care and asset care. These services help our older clients deal with their day to day finances
We have access to a will writing service and can can make arrangementsto draw up Power of Attorney for finance and health
We offer a tax return service – this is simply an administration service – please note we are NOT a firm of chartered or certified Accountants
