This will effectively act as our mutual guide upon which all future financial decisions are based, so our attention to your detail is vital.
We will discuss your needs today and future life goals. We will also review your current financial planning and tax arrangements, which may include existing pensions, investments, business assets and cash in the bank. We will agree a fee for our advice before we proceed.
We agree a financial strategy based on your objectives, and an assessment of your risk profile. This may include one, or all, of these areas; cash-flow needs, investing your funds, tax-efficiency and family or business protection.
We will recommend a personalised and written financial plan which sets out how you will reach your life goals to the time-line you have chosen. We will ensure you know of all options open to you, with the benefits and drawbacks of each one.
On your instruction, we will implement your financial plan by setting up the appropriate policies for you. As independent financial advisers we ensure you have the best product from the whole of market, based on your needs.
We work with our clients on a long-term basis. Regular annual reviews aim to ensure that your financial plan remains appropriate for you. At these meetings we re-assess your attitude to risk which may change over time, review any changes to your circumstances to aim to ensure they meet your long-term goals.
The value of your investment can go down as well as up and you may not get back the full amount invested
Accessing pension benefits early may impact on levels of retirement income and your entitlement to certain means tested benefits.
Accessing pension benefits is not suitable for everyone. You should seek advice to understand your options at retirement.
Levels and bases of and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor
The Financial Conduct Authority does not regulate taxation advice.