“A journey of 1000 miles starts with a single step”

Lao Tzu

I can’t change the direction of the wind, but I can adjust me sails to always meet my destination”

Jimmy Dean

Working Together…

We work with clients that understand there is a benefit to mapping out their financial future and recognise how working with a team of professionals can help them achieve their goals in life.

If you want to talk about products like pensions, ISA’s and insurance, sure, we can do that, but we appreciate that financial jargon isn’t most people’s idea of fun. Their aims in life and how our advice and ongoing service can help them achieve those goals is much more interesting.

Step 1:

Dream your financial future

Before we arrange to meet, we’d encourage you to think carefully about what is important to you including the kind of service you want and expect. Write down your goals, think about when you want to reach them and how much they might cost. Be realistic but don’t be afraid to think optimistically.

Step 2:


At our first meeting we’ll talk about you and your plans and together we can work out if we are a good fit for each other and if what we do is right for you. This will be entirely at our expense so if we go our separate ways from here it will have cost you nothing apart from a bit of time.

If it’s appropriate, we’ll also talk about the likely costs of proceeding based on what we’ve discussed.

If you want to take things further, we’ll draw up an agreement on the service and costs we’ve agreed and arrange a further meeting.

Step 3:


To build a financial plan with you, we’ll need a detailed picture of where you are now, including details of any financial arrangements you’ve made up to this point, where you want to get to and any future changes you might encounter.

This is the foundation on which your financial plan is built. It is so important we really understand as much about you as possible so we can design solutions to meet your needs and future goals and it will be something we keep revisiting as part of our ongoing relationship.

Step 4:


Once we’ve completed your profile, the exciting work of formulating our recommendations begins. We’ll analyse what we know about you and tailor a plan to help you achieve what you want.

Step 5:


Once everything is ready, we will present our recommendations to you, ensuring you fully understand the reasons why we have made those recommendations and explain how they are going to meet your needs and goals.

It’s completely up to you if you want to proceed with our advice but if you do, we’ll do all the implementation work but only after you’re completely happy with our suggestions.

At this point, you might expect to see the word “finally” but that’s not how we work. Once we have implemented those initial recommendations, our job is only just beginning as we will monitor everything we’ve put in place and make sure it remains right for you. This will involve regular contact with you and normally meeting at least once per year to make sure we know about anything new in your life that might affect your plans and goals.

Our service isn’t a “one size fits all” approach. It’s important to us that you feel comfortable and confident in what we do and how we do it, so, if at any stage you want to ask questions or take some time to reflect, we encourage you to do so.