The process of taking independent financial advice...

Our advice process begins with a free consultation to discover your needs and answer questions you have on any financial subject. You will never be under any pressure or obligation to proceed at any stage.

After your free consultation you can either continue into your first advice session or take more time to think about it. If you do decide to proceed, we use a six step process to help you get from where you are now, to where you want to be.

Step One - understanding your needs

To make relevant recommendations on your financial future, your adviser will work with you to build an accurate picture of your overall financial situation, your financial objectives and needs, and the levels and types of planning that will meet your needs.

Step Two - identifying your goals

A vital part of the planning process is identifying your goals and objectives so you clearly understand what you're working towards, in the short, medium and long-term. Some examples you could consider are:

• future education expenses
• upgrading the family home
• protecting your income through adequate death, disability and income protection cover
• estate planning: writing a will and appointing a power of attorney
• accumulating financial assets to a defined level by a defined date
• maintaining your lifestyle against inflation rises.

Step Three - identifying financial obstacles

Your financial adviser will compare your current financial situation with your goals and identify any shortfalls between where you are now and where you want to be together with the steps necessary to overcome them.

Step Four - preparing your financial plan

Having identified your goals and objectives and assessed your financial situation, your adviser will formulate an overall strategy. If this involves investing, central to the strategy will be your ‘risk profile’ – it is your attitude to risk that will principally determine the investments that the planner recommends for you.

Your plan will provide clearly identified recommendations relating to your goals and objectives. It will also recommend any actions necessary to remedy shortfalls, for example, in capital or income.

Step Five - implementing your financial plan

Once you have agreed to the financial plan developed with your adviser, he can implement it on your behalf, or assist you through the process. This may involve completion of all necessary documentation required to get your plan ‘under way’.

Step Six - reviewing your plan

The preparation and implementation of your financial plan is the starting point of the journey towards your financial goals. To ensure your plan stays on track and relevant to your changing lifestyle, it should be reviewed annually.

Ready for your free consultation?

Get all of your questions answered during a free consultation with an independent financial adviser. The initial consultation is free, without obligation and can help give you confidence in your present as well as your future.

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