Full Financial Review
We find that many people who become clients have over the years acquired insurance policies, pensions and investments on an ad hoc basis. There is often no plan in place and it is not clear what the benefits to you the client are in owning many of these plans.
When looking at financial planning we believe that clients in general want to acheive the following:
- Ensure your family is secure whatever life may throw at you. Death and illness.
- Be debt free as soon as possible. No mortgage, no loans no credit cards.
- Enjoy life to the full. Be assisted in making large financial decisons.
- Ensure you have enough money to be financially secure for the rest of your life. A secure income after you stop working.
- Ensure your money is in the right place. Should it be invested differently.
In our experience from talking to new clients many advisers do not take the time to listen to what you want to achieve. We believe the start of our relationship should involve us asking questions and then listen to the answers. We will insist on obtaining all the facts. The reason for this is that the software we employ to assist us with your financial planning is very sophisticated and produces extremely powerful informative reports but is has to 'know it all'.
Once we have all the facts and we are clear on what it is you want to acheive we are then able to produce bespoke reports that will graphically illustrate your situation, good or bad!
After discussing the report and the good and bad of your situation, we will formulate plans to ensure you achieve your goals in life. We will also tell you if in our opinion your goals are unrealistic.