Wealth Management Consultative Process

Consult

Plan

Implement

Support

A robust process designed to enable you to understand your financial journey and help you achieve your financial goals and objectives, with clarity, confidence and freedom.

Consult

  • We discuss with you your objectives, values, needs and goals.
  • We concentrate on what is important about money to you and gather information on your current circumstances.
  • We discuss your attitude to investment losses and gains –
    your tolerance to risk and previous investment experiences.
  • We provide a summary your current circumstances, objectives and the next steps required.

Implement

  • We detail you with our full recommendations of your asset and tax wrapper allocation, to achieve your short, medium and long term goals, whilst minimising the taxes that concern you most.
  • We go through the implementation report with you, so that you fully understand the process and we will identify any required referral to other professional connections.
  • We recap on our recommendations and then organise the implementation paperwork, any trust documentation and any transfer of assets.
  • We will outline how long the implementation process will take and keep you informed of our progress.

Plan

  • We construct and present your strategic plan which will help you achieve
    your goals.
  • We analyse of your current asset and tax wrapper allocation, and how these compare with your tolerance to risk.
  • When possible, we provide a performance measurement of your current asset allocation, compared with the repositioned strategy matched to your tolerance to risk.
  • Where appropriate, we construct your lifetime cashflow forecast and illustrate how different choices and options, impact the cashflow forecast and ascertain the minimum level of risk you need to take with your investments, to reach your goals.
  • We identify any gaps and shortfalls and agree an asset allocation and the priorities for implementation.

Support

  • Regular reviews focusing on your values and goals are essential to
    ensure that your financial plan continues to meet your lifestyle and
    investment objectives.
  • Ongoing Financial Health Checks are provided to ensure that if your financial objectives change over the years due to changes in your values, lifestyle or circumstances, your financial strategy or your investment portfolio is adapted to reflect your changing circumstances.
  • We will review and rebalance your investments in line with your tolerance
    to risk.
  • If appropriate we will make further recommendations for implementation.
  • We provide ongoing support, education and valuations of your portfolio.
  • A Remove the Hassle Service to take the complexity and hassle out of
    administering your financial life.
  • Our team of specialists from various independent firms is here to apply
    its expertise to help you, should you require specialise legal or tax work.

Fees and Remuneration

We offer fee based services, based according to your needs and wishes. Fees will be agreed at the outset, and could be due for the production of a financial plan, for investment advice or for helping you plan for retirement.

The fee amount depends on the complexity of the work involved and level of expertise required. We will agree this with you and explain our services before any fees are incurred.

Fees can be calculated as a percentage of the assets on which we are advising or investing for you. Alternatively fees can be charged at an hourly rate.

Our services are paid for by either, a Fixed one-off charge or a Percentage of the portfolio to be invested. Occasionally remuneration may be received in the form of commission paid from a product provider and this will reduce our fee accordingly

Talk to Us