We want you to share your dreams with us. That’s always our starting point.
The more you share, the better – it gives us the chance to get to know you, and what makes you tick.
Then we start collating information. Everything you already have – pensions, mortgages, loans, shares and investments, savings, additional incomes, salaries – anything and everything money related.
We are also interested in your current lifestyle. How do you live right now – what is your regular expenditure? What are your non negotiables? What could you live without, and what would you prefer to live without?
Then it’s crunch time… for us. We pull together the figures, and run algorithms to see what state your finances are in currently, and where they are projected to be in the future.
We always take a prudent approach here – assuming low growth rates. We are the realists, we leave the dreaming to you!
Then it’s crunch time… for us. We pull together the figures, and run algorithms to see what state your finances are in currently, and where they are projected to be in the future.
We always take a prudent approach here – assuming low growth rates. We are the realists, we leave the dreaming to you!
When we present back to you, we talk about your options. It’s likely we will be making recommendations of what to do next.
That might look like changing your mortgage, or moving your investment funds, or reviewing your pension. We can talk about getting the right financial advice to support any changes needed.
Your Will might need reviewing, and you may well want to set up Trusts to protect your loved ones and your assets. This should be handled by a professionally trained Wills and Trusts expert. We can talk about that too.
We work with you on a fee basis, having regular reviews with you, to monitor progress against your plan. And, of course, as your goals and ideas change. It is a continuing process, because everything will change over time.