How we help

Discovery and securing your future

Constructing a financial plan is all about knowing what you would like, being aware of the lifestyle you want to achieve, and what your life will look like when you no longer work. What will make you content and how do you know when you’re there? We’ll help you to understand your goals and enable you to reach them.

This is the crucial first stage in our process, and one that will open your eyes to what we need to do to secure your future while enjoying today. Many people don’t know what questions they need to ask. We’ll tell you everything you should know so you can head towards your dream.

Beginning the journey

Pathfinder to suit your outlook

Do you know how much you will need to live comfortably? And how much you should save and invest to achieve it? After years of helping people arrange their personal finances, we’ve learned every client has different goals, desires and concerns, and when we sit down to draw up your plan for the future, we’ll take into account your preferences and priorities as well as your vision for life you want to live.

Our strategy works in stages where we assess your circumstances, work out a roadmap, and then take steps to arrange your investments, finances and income effectively and efficiently. From there, we continue the cycle of monitoring, reviewing and planning to ensure your money is delivering the outcome you need year in, year out.

Make An Appointment
01

Make An Appointment

You might have met a few IFAs before, and sadly walked away disappointed. You might be feeling uncertain about the future and concerned you won’t have enough to be secure. From the get-go, we want to break down the mystery that surrounds financial products, and shine a light on the process for you to reach a peaceful, positive future.

Understand your needs
02

Understand your needs

What does your life look like in ten years’ time? We want to find out about you – your core goals, hopes and needs – and what it will take for you to feel peace, joy and contentment. We’ll sit down with you to fully understand your circumstances and aspirations before thinking about your plan, and take a look into the future, anticipating what will happen when.

Risk Assessment
03

Risk Assessment

A crucial stage of our process is to evaluate your feelings around risk and investments. By completing our secure online questionnaire, we’ll be able to see your attitude to uncertainties and tolerance of risks. Wherever you appear on the scale, our role is to present the right investments that will not only get you the results you need, but also suit your risk profile.

Financial Review
04

Financial Review

This is a thorough, in-depth analysis of all your assets. We’ll take stock of what you’ve got, how it is working for you, what the projected outcome will be if things stay the same, and highlight where we can make changes to bring improvements. From here, we’ll have a complete picture of where you stand and the solid foundation for a comprehensive plan.

Define Goals
05

Define Goals

Where are you now, and where to do you want to be? We’ll examine what you want to achieve and define the path from here to there. Our cash flow forecasting system will enable you to see exactly what it will take to reach your financial goals, and together we’ll build up the details step-by-step to give you the fullest possible picture from which to make your final decisions.

Produce The Plan
06

Produce The Plan

Like a well-plotted page-turner, we’ll present your personalised financial plan in the form of a perfect-bound hardback book. Inside will be every detail of our considered, long-term strategy for your secure future, using our knowledge, experience and creative approach to establish solutions to suit your individual needs, enabling you to move forward confidently and in control.

Regular Reviews
07

Regular Reviews

Giving your personal finances and investments the attention they deserve is the lifeblood of what we do. You’ll get regular communication from us about your portfolio with comments about how your investments are performing and suggestions for improvements. We’ll continue to meet you on an ongoing basis to ensure your finances are managed in line with your changing needs.

Review Portfolio Performance
08

Review Portfolio Performance

Returns on investments and pensions can shift over time, and results can vary according to changes in interest rates, rules and regulations, or simply fluctuations in market preferences or worldwide demand. We keep on top of what’s happening with your investments ourselves, but also provide you with our myWealth app for you to monitor all your statements and accounts.

Review & Take Stock
09

Review & Take Stock

The figures only tell one side of the story – this is a chance to look back and reflect on the transformations in your day-to-day life. You may have started this process unsure of where you stood financially and what you wanted to achieve, but now you will know exactly what your goals are, and the steps you have taken to realise them. Our next meeting could be the most incisive yet.

Annual Report
10

Annual Report

Our annual report will provide you with everything you need to know, presented in an easy-to understand format. We’ll show you how your portfolio has performed over the year, where growth has been as expected or greater, and perhaps highlight where we need to make adjustments to ensure you stay on course.

Make An Appointment
01

Make An Appointment

You might have met a few IFAs before, and sadly walked away disappointed. You might be feeling uncertain about the future and concerned you won’t have enough to be secure. From the get-go, we want to break down the mystery that surrounds financial products, and shine a light on the process for you to reach a peaceful, positive future.

Understand your needs
02

Understand your needs

What does your life look like in ten years’ time? We want to find out about you – your core goals, hopes and needs – and what it will take for you to feel peace, joy and contentment. We’ll sit down with you to fully understand your circumstances and aspirations before thinking about your plan, and take a look into the future, anticipating what will happen when.

Risk Assessment
03

Risk Assessment

A crucial stage of our process is to evaluate your feelings around risk and investments. By completing our secure online questionnaire, we’ll be able to see your attitude to uncertainties and tolerance of risks. Wherever you appear on the scale, our role is to present the right investments that will not only get you the results you need, but also suit your risk profile.

Financial Review
04

Financial Review

This is a thorough, in-depth analysis of all your assets. We’ll take stock of what you’ve got, how it is working for you, what the projected outcome will be if things stay the same, and highlight where we can make changes to bring improvements. From here, we’ll have a complete picture of where you stand and the solid foundation for a comprehensive plan.

Define Goals
05

Define Goals

Where are you now, and where to do you want to be? We’ll examine what you want to achieve and define the path from here to there. Our cash flow forecasting system will enable you to see exactly what it will take to reach your financial goals, and together we’ll build up the details step-by-step to give you the fullest possible picture from which to make your final decisions.

Produce The Plan
06

Produce The Plan

Like a well-plotted page-turner, we’ll present your personalised financial plan in the form of a perfect-bound hardback book. Inside will be every detail of our considered, long-term strategy for your secure future, using our knowledge, experience and creative approach to establish solutions to suit your individual needs, enabling you to move forward confidently and in control.

Regular Reviews
07

Regular Reviews

Giving your personal finances and investments the attention they deserve is the lifeblood of what we do. You’ll get regular communication from us about your portfolio with comments about how your investments are performing and suggestions for improvements. We’ll continue to meet you on an ongoing basis to ensure your finances are managed in line with your changing needs.

Review Portfolio Performance
08

Review Portfolio Performance

Returns on investments and pensions can shift over time, and results can vary according to changes in interest rates, rules and regulations, or simply fluctuations in market preferences or worldwide demand. We keep on top of what’s happening with your investments ourselves, but also provide you with our myWealth app for you to monitor all your statements and accounts.

Review & Take Stock
09

Review & Take Stock

The figures only tell one side of the story – this is a chance to look back and reflect on the transformations in your day-to-day life. You may have started this process unsure of where you stood financially and what you wanted to achieve, but now you will know exactly what your goals are, and the steps you have taken to realise them. Our next meeting could be the most incisive yet.

Annual Report
10

Annual Report

Our annual report will provide you with everything you need to know, presented in an easy-to understand format. We’ll show you how your portfolio has performed over the year, where growth has been as expected or greater, and perhaps highlight where we need to make adjustments to ensure you stay on course.

INTERESTED?

Start planning the rest of your life today

All it takes is a quick conversation for you to see how your future could pan out, and how we can plan to make it as comfortable as possible. Give us a call on 01449 615714, or click below to drop us a line.

Book now

CASE STUDIES

See how we have transformed lives

Our system provides you with the path from where you are today to where you want to be in the future. We’re happy to say it works. Here are just a few of our clients’ stories.

The case of 'How much is enough?'

Neil and Sue Builder worked hard, very hard. But then they enjoyed the lifestyle which they had created for themselves and their daughters Rebecca and Lucy.

Neil was 45 and he had a plan – his own financial plan. Because Neil hated three things: His mortgage. Pensions. But most of all, financial advisers!

Read Neil & Sue's journey

The Case of Mr & Mrs 'Got-Too-Much'

Read their story

The Case of Mr and Mrs '10 Years Younger'

Read their story

The Case of 'Too Much Risk'

Read their story

The Case of "Are We There Yet?"

Read their story

Our Process

Frequently Asked Questions

  • It’s never too soon. The earlier you start planning, the stronger position you will be in when you come to consider retirement. Remember, compound interest is your friend, and the more money you put into savings today, the longer it will accrue interest, and the higher the value will be to you when you come to need it in later years.

    This issue is also more pressing depending on your age and your current resources. How much time do you have left to accumulate the money you need to keep you comfortable in retirement? 

  • There is no exact answer to this question. How long you need to save for will depend on how much you want to spend, both now in your everyday life, and later when you leave work. If you’re a high-risk type and also a low spender, then it might take you only a few years. Conversely, if you want or need to spend more, then you will need to find ways to amass more money, which may also take more time. It depends on how much you need to save, and how you save it, which also depends on your income and your chosen lifestyle.

    Whatever your choices, we can work out the most tax-efficient methods to put money aside for later life using the various different saving options. Depending again on your circumstances, we also encourage people not to save absolutely every last penny, such that they live in austerity. We are firm believers that you should enjoy your life as you are living it, and appreciate the journey.

  • Ideally, we want to work with people who have upwards of £250,000 to invest. However, if you have less than this, you should perhaps not be put off contacting us. We have worked with many people who did not have this amount, but through investigation of their financial affairs we have found ways to bring their total assets up to this level, and have put them to good use.

    Many people do not know what they have got in their pensions. And even if they do have a figure to hand, it may be transformed into a far larger amount through creative application, over time. Your pension could be worth a lot more than you think. Please talk to us to find out more.

  • Our answer to this would have to depend on your definition of retirement. Our job is to make it possible for you to achieve your aims and goals. What does retirement look like to you? Is it when you leave your job, or sell your business? Is it when you can stop working and never run out of money? And perhaps start giving money away to your family, or good causes?

    When do you want this to happen? We can work out what milestones you need to aim for to keep yourself on track to reach your goal. Our planning is incredibly thorough, using the latest cutting-edge forecasting and analysis systems, and we are able to calculate your trajectory year on year for you to achieve your aims.

WORKING WITH YOU

Your future plan starts with a conversation

Excited by the thought of your money working harder for you, and creating a secure future for you and your family? Call us today on 01449 615714, or click the button below to drop us a line.

Book a call