Great financial planning starts with a story. Your story.
How did you start out? What made you successful? What would you do differently?
The more we know about where you came from, the more our recommendations will resonate. Tell us how you arrived here today and together, we will make a road map for the future.
To deliver exceptional financial planning, we need to gain a deep understanding of what you want from your finances and where you want to go in life. This takes time, but the reward for this effort is a fulfilling relationship with money.
Life goes better when you make a plan.
The initial meeting is a chance for both parties to consider whether we are a good fit. We will listen to your requirements and you can ask lots of questions about the firm and the service we provide.
Shortly after the first meeting, we will send you a meeting note with an overall summary and outline of any future work we are offering to complete and the fee we will charge. If you are happy to proceed, you may let us know by reply. It is not unusual to have several initial meetings together, to ensure we fully understand your requirements.
Once you have agreed that we have outlined your requirements and agreed to our fee, we will begin to design the blueprint for Your Financial Plan. This will provide a framework that we will return to for many years. Often, we will build you bespoke spreadsheet or use the latest planning tools and eventually, we will present Your Financial Plan.
Sometimes, and this is often a sign of great financial planning, the thing you thought you wanted from your finances is not quite as expected and, as part of the process, we may discover that you wish to access your capital in a different way. If so, we simply amend Your Financial Plan, until we both agree it feels right.
In order to achieve your aims, it is likely that you will need to invest, although this is not always the case. We have identified four main ways any investor can access the great capital markets of the world. We call this “The Matrix”. We are completely independent of thought and it is our job to articulate each of these approaches, each with their strengths and weaknesses, so you can decide which, or a combination of which, style of investment is right for you.
It is our job to explain your options so you can make an informed choice.
If you engage with our ongoing service, we will talk to you quarterly and are available throughout the year but, at least annually, we will sit down together and we will repeat the planning process.
Together, we will look at your original plan and listen to which aspects of Your Financial Plan need to be amended. And that’s why we plan because; Life goes better when you make a plan.
Any initial meetings, exchanges, informal discussions are at our cost. You may take as long as you like before deciding to engage formally.
When you are happy to proceed, we will write you and detail the cost of any service we provide to you.
Your Financial Plan will cost between £1,500 to £5,000 (inc VAT) to design and we will inform you before any work commences.
To monitor, review and adjust your Financial Plan, we charge an ongoing fee.
Fee scale 1. If you have investable assets of less than £500,000, we charge £495 per month to manage your affairs.
Fee scale 2. If you have investable assets of £500,000 to £1,000,000, we charge 1% of your assets under management per annum.
Fee scale 3. If you have investable assets £1,000,001 or more, our fee is negotiable and will depend on the complexity of your affairs.
We can time cost work on a fixed fee basis. We will advise you in advance of the costs, before you agree to proceed.
Our bespoke NHS Pension Report costs £1,500 (inc VAT) and takes about six weeks to complete.
Some of our fees attract VAT and some do not. We will advise you in advance which charges apply to your services.