Bespoke financial advice for you

Your financial plan should reflect you, as well as your goals and priorities.

With a bespoke financial plan in place, you should have complete confidence in the steps you’re taking and the future they will help you build. Whether you have specific concerns or want help building a long-term plan, it’s important our financial advisers understand you and your goals.

As a result, they’re here to listen and ask questions to get to the heart of what’s most important to you and your family. It’s the start of the process for delivering bespoke financial advice that lays the foundations for achieving your goals.

Delivering bespoke financial advice

When you meet your financial adviser, they will follow a carefully designed financial planning process. This makes sure your financial plan addresses any concerns you may have, as well as helping you achieve your long-term goals. We aim to give you complete confidence in your financial plan.

Step 1 – Discovery

This is the initial meeting with your financial adviser. It can be either face to face, on the phone or via a video conference. It typically lasts one hour. This is an opportunity for you to get to know your financial adviser and for them to get an in-depth understanding of your current financial situation, immediate needs, long-term goals and attitude to investment risk.

The discovery meeting will not cost you anything and you do not have to take up our services at this point. Our financial adviser will provide clear information about our fees and how these can be funded before moving on to the next steps. Our costs will always be agreed with you before any work is carried out.

Step 2 – Strategy

Stage two involves analysing your current financial situation. This is essential for establishing if you’re on track to meet your goals and highlighting where bespoke financial advice can help. Where appropriate, cash flow modelling will be used. This is a visual tool that helps you see how your wealth may change over time depending on the financial decisions you make. This includes your cash flow, net worth and tax position throughout your life.

You may also receive a strategy report. This will outline your aims and any current financial planning you have in place. This will highlight where gaps are and address your immediate needs.

Step 3 – Recommendation and implementation

Once your strategy has been agreed, it’s time to research the products and investments that will help you achieve your goals. Your financial adviser will select the right products for you, considering your investment risk profile, aspirations and time constraints. This will lead to a tailored investment solution.

Nearly all our advisers work within our restricted investment proposition, which consists of an extensive panel of investment solutions. In the unlikely event a suitable solution is not available, we will broaden our research to other providers and products.

A report will clearly detail how your financial adviser’s recommendations will meet your objectives. It will also outline any disadvantages where there are any. Once you’re happy, we will act on the recommendations on your behalf.

Step 4 – Review

A financial plan that is suitable now may not be in five or ten years. Your circumstances and priorities will change throughout your life, so it’s important that your plan does too. Ongoing reviews, bespoke financial advice and coaching are essential for making sure your plan continues to work for you. Where appropriate, your adviser will agree on regular review meetings so that you stay on track.

Your first step

If you’d like to access bespoke financial advice to help you achieve your goals or would like to learn more, please contact us.


The value of your investments can go down as well as up and you may not get back the full amount invested

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