What Do We Do?
After nearly 30 years in financial services, Chris finds the most useful tools for a first meeting are a pen, a blank piece of paper and a desire to listen. Usually the first meeting is without charge as it allows us both to get to know each other and to get a feeling of whether we can work together. This is important as financial planning is not a single transaction.
Ideally we will be working together in to the future and we aim to ensure that your planning is reviewed at least once a year to ensure it is still relevant – and that any previously agreed investments or other broader financial planning remains on track.
Accumulation And ‘Decumulation’.
Accumulating?
We work with aspiring individuals, who are building their careers and may have less time (and desire) than they would want to organise a strategy for future, financial independence. Typically they will have a reasonable or good understanding of what they should be doing but would rather engage with a qualified professional to work with them over the coming years.
Decumulating?
At the other end of the age spectrum we are engaged by the older generations in the family, who will have a desire to pay their fair share of taxes but who will also want to ensure that the succession of family wealth to the following generations is not eroded by excessive taxation.
We find that the most telling part of the advice process often takes place at the very start of the relationship. Mostly our clients will have a very good understanding of their financial position; they may also be clear on their longer term ambitions – again in financial terms. It is only through really testing these plans, first in a non-financial context, that a true vision of the future can be drawn out and a workable Financial Plan can be agreed. And in real life, even the best made plans can be thrown off course, so it is important that planning is reviewed.
