Financial Planning is a very personal matter. No two people have identical circumstances, ambitions and needs. What's more; needs often change over time and everyone's financial situation is constantly evolving. Even though the principles behind our advice can be applied to all clients, the financial plan we produce for you is unique and indivdually tailored to suit your particular needs.

So how do we develop a financial plan specifically for you?

We follow a financial planning process, which has been carefully designed, with six important steps. We then make quite sure that you know exactly what's happening at every stage as the process develops.

1. Identify your needs and objectives

As a first step, we will arrange an introductory meeting (this may be by phone if distance is an issue - though many clients like to visit our office here in Heswall). We will explain fully how the service works, discuss your primary financial needs and objectives then answer your initial questions. By hearing how we work with our clients, you'll have an opportunity to make sure that our service will be of value to you.

2. Gather Information

If it is agreed that you could benefit from our service, we will go into much greater detail with you, looking at your objectives and developing them into well defined goals. At the same time we will gather detailed financial information to give comprehensive picture of your finances and commitments.

3. Prepare an analysis

Once these details have been agreed with you, the information is used to complete a personal financial plan. This written report performs complex analyses on your current financial position, and identifies any areas where it is felt your existing financial arrangements could be more effective, or where you have no plans in place to achieve your stated objectives.

4. Develop a plan of action

Now, with a full understanding of your circumstances and priorities, we construct your Financial Plan. This report sets out specific and realistic recommendations designed to achieve your stated objectives, both in the short and longer term.

5. Implement your plan

The next step is to present you with your own plan. At this meeting each recommendation will be carefully explained and all your questions answered. It is, of course, your decision whether to implement those strategies, in full or in part. Attainment of your goals, whether it is some or all of the recommendations, will only arise from positive action and your own desire to make this happen.

6. Monitor your progress

As a client of ours, your details will be available 24/7 via the client access part of the site and we will be available to regularly review your plan. We make sure your plan is working towards achieving its objectives. Each review also takes account of any changes in your personal circumstances, financial market conditions and relevant legislation.