Initial meeting

We offer a free initial no obligation consultation. This meeting provides the opportunity to discuss your current circumstances, concerns, financial objectives and priorities whilst gathering detailed financial information to put together a clear picture of your current financial situation. The services we offer and the costs involved will be discussed and outlined in our key facts document/service agreement and our independent financial advisers will be happy to answer any initial queries you may have.

Agree course of action

Following this initial meeting we will confirm our understanding of your needs and financial objectives. We will agree specific and well defined goals. If you are happy to proceed we will ask you to sign a copy of our service agreement which will detail our proposed fee.

Research and Analysis

We will obtain full plan information and projections from your current provider. We will identify your attitude to investment risk and your tolerance for loss to ensure that our recommendations meet your financial goals.

Report and recommendations

We will prepare a detailed personal financial report explaining our advice and recommendations with personal illustrations where applicable. Should you wish to proceed with our recommendations we ask you to return the application form(s), which will be sent to you, together with a signed copy of the report for our records. We offer a meeting to discuss this if required.


We will implement the recommendations on your behalf. Once the implementation phase is complete we will confirm the actions we have taken and set out a timetable for review. The agreed fee will either be invoiced, if you have chosen to pay this directly, or will be deducted from your plan.

Ongoing review

Regular reviews and portfolio rebalancing will be carried out as previously agreed. As part of our reviews we will ensure that the recommendations we have implemented remain suitable and are still working towards achieving your financial objectives and goals.

At all stages we aim to be clear, friendly and professional. We strive to build long term relationships with our clients.