Client journey

Clients come to us for various reasons; some have a specific issue they want resolved, others simply have an ‘itch’ – they can’t pinpoint exactly what’s troubling them, but they just feel something isn’t right or could be better. More often than not, people want to understand whether they have enough money.

A traditional adviser will dive headlong into reviewing products and come up with a product-based solution. We take a different approach.

We don’t feel we should be discussing products or solutions until we really understand you, your beliefs, your values and what you want to achieve. So that’s what our first meeting is all about – defining what improving your life really looks like, and exploring those personalised objectives.

Once we’ve established what you want to achieve, we will take off our Life Planner hat and put on our Financial Planner hat. The financial planner’s job is to identify all of the resources available to you now, all of the resources that will become available to you in the future and, more importantly, the resources that might have to become available to you in order to satisfy the needs of your life plan. That’s financial planning.

With this information we can put together a comprehensive plan which will show you what your financial future looks like – and what action you may need to take to achieve your goals/desired lifestyle.

We can establish where you are currently against your objectives, be that good, bad, or indifferent, and plan accordingly.

If your financial plan indicates that your needs would be best served by a financial product or investment, then (and only then) will we put on our third (and arguably least important) hat.

You see, we are also fully authorised independent financial advisers with more than 35 years’ experience, so if you do need a financial product we can arrange and engineer that specifically to suit your financial plan.

A plane flying from London to New York is off course 90% of the time – it’s the pilot’s job to make regular adjustments to ensure it lands in the right place.

Our role is very much the same. We will regularly review and monitor your financial plan to ensure it continues to meet your personal goals and remains suitable for your circumstances. We’ll typically meet once a year to talk through your plan’s progress – as well as catch up on everything you’ve been doing with your new-found financial freedom!