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We believe that each one of our clients is unique and therefore each Personal Financial Plan is an individually designed bespoke solution

Our financial planning process starts by taking time to establish and understand your financial aims, concerns, values and aspirations. We then translate these into a coherent and realistic set of objectives, priorities and actions.

We comprehensively analyse your current financial situation and explore your attitude and tolerance to investment risks. Our analysis includes: evaluating your personal tax position, researching and commenting on any plans you may already have in place, highlighting any under performance or shortfalls that might exist and identifying where we feel you could save tax.

Following our analysis we will develop a set of recommendations for you in the form of your Personal Financial Planning Report, which will detail and explain any key decisions and actions we may advocate, whilst managing your expectations for the future. Your Report will contain some or all of the following elements, but please remember that as every one of our clients is unique, the subject areas listed below are only an indication of what might be appropriate for your personal situation.

  • Your financial circumstances
  • Your objectives, values and aspirations, concerns and priorities
  • Your attitude and tolerance to investment risk
  • Your timeframe
  • Your personal tax position and allowances
  • Wills, trusts and powers of attorney
  • Review and analysis of any financial products you may already have in place
  • Personal cash flow planning
  • Mortgages, loans or other liabilities
  • Protection for your Family and health
  • Investments and savings
  • Pensions and retirement
  • Inheritance Tax, Income Tax or Capital Gains Tax management and mitigation
  • Our personal financial recommendations
  • A summary of the potential benefits to you
  • A summary of any potential disadvantages
  • Analysis of any costs involved
  • Appropriate comprehensive product information
  • Regulatory information and access to the Financial Services Compensation Scheme