How we work
As Independent Financial Advisers we act on behalf of our clients and are able to advise on financial products available from all product providers and use advanced computer software to research, compare and select the most suitable deals currently available. We are thus able to make arrangements to maximize the benefits to our clients.
Initially, it is important to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you will need to set aside some time to talk to us - the first one-hour consultation is free. There is no charge, and no obligation, while we find out together how best to move forward.
Depending on your instructions we will carry out a needs analysis based on your current situation, taking into account any specific plans and/or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews.
You will receive professional advice about where your financial arrangements are already good, and where they can be improved upon.
We will also help you to decide how much provision you need, and the order of priority in dealing with your finances. It will all be sensibly balanced in relation to your current income and your prospects
In many cases we are able to make arrangements which clients would be unable to make for themselves. All our proposals will be fully explained and costed so that you will know exactly "what and why" before you agree to anything.
You should also be aware that if you only wish us to limit our advice to a particular area (or areas), the advice given may be different if we fully review your position.
What to bring to the first meeting:
- Details on any existing policies you have
- Details of any other assets you own
- Details of your income
- An approximate breakdown of your monthly outgoings
- An idea of your budget to address any needs you have
- Proof of your identity (Passport or Driving Licence)
- Proof of your address (Driving Licence, Utility Bill, Bank Statement)