The Financial planning process

 I offer a free no obligation initial meeting so that we can get to know each other. It is essential to choose a financial planner you like and trust. You need to be comfortable disclosing personal financial information and how you feel about money and risk.

During the initial meeting, we will discuss your current financial position as well as where you would like to be in the future. 

I will explain how we work and how we charge for that work.  
 

After the initial meeting, I will send you a summary and a proposal explaining my understanding of your circumstances and objectives. I will also break down any work  I fell that you required and the cost.  

I am happy to discuss this as needed and provide any answers or clarification. 

 If you are happy to work with me, we will ask you to sign and return the proposal forms along with any other documentation required.  

The information-gathering stage of the process may take a few weeks, depending on the information needed. 

At this stage, we will obtain detailed information on your existing pensions, protection or investments so that we can provide accurate advice. 

With your permission, we can contact the respective providers and obtain this information directly. 

Once all the information has been received, I will prepare my advice and recommendations including any cashflow planning needed.  Once this is ready we will send you a copy and set up a meeting to discuss my recommendations and any questions you may have. 

  If you are happy with the advice and recommendations provided, we will ask you to sign and return the forms so that we may implement the advice.  

 The Financial Conduct Authority does not regulate Cashflow Planning. 

It is important to review your plans and financial arrangements regularly, as circumstances and legislation change far too often. 

I offer a range of ongoing review options to suit your needs.