How Do We Work?

Everybody's situation is different and we work flexibly to tailor our service to best suit you but the below would be a fairly typical summary of a new client experience with us.

• We start with an initial discussion to determine your overall situation, financial position, attitude toward risk, plans and goals for the future etc. 
  • This is provided as a free consultation and rather than having a fixed time limit for the consultation we are happy to take as long as is sensibly required. 
  • We want to take the opportunity to really understand financial and all other aspects of an individual so we can offer the best advice moving forwards. 
  • You will then receive a summary of our initial thoughts.  
• The next steps involve meeting/s to refine a plan, again there is no cost for this service and we are happy to take as much time as is required by the situation.  We take care of requesting and processing information about your Pension/s and other investments.  The choice of investments going forward is discussed and agreed. 
  • Once a plan is agreed then investments such as Defined Contribution Pensions, ISAs and taxable investments, may be consolidated to an administrative "Platform" which allows all information to be monitored and accessed easily by the client.  
  • As an "Advisor" platform the client will typically benefit from lower platform fees than would otherwise be available to a Retail Investor.
• At the same time we can provide advice around any matters that are important to you for example, investment advice, pension and retirement planning, inheritance planning etc
• For all of the above we charge an initial fee, on a percentage basis and then an ongoing fee, again on a percentage basis of the assets that we are administering for the client.  
• We will provide updates and are always available for any questions or follow-up topics.  Unless these are major new projects then there would be no charge for this.
• In conjunction with the client we administer all changes to investments that are selected going forward and advice on where investments should be added to or withdrawn from.

Underlying everything that we do is a desire to build a trusting and successful partnership with clients to help them to both understand and maximize their own financial position.