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Lifestyle Financial Planning Journey

For individuals and families, we will usually follow our Lifestyle Financial Planning Journey. The following steps provide an overview of what you can expect, when we work with you to develop your Financial Plan.

1 

Establishing your goals

  • We listen to you to learn about your goals, values, and life situation. 

  • We help you to picture your desired lifestyle now and in the future. 

  • We agree with you, your short, medium, and long-term financial goals. 

2

Information gathering

  • We work with you to collate all your financial information, including assets & liabilities, income & expenditure, as well as any personal information we need to be able to review your situation.

  • We request details about any existing financial arrangements you may already have in place, usually by writing to each provider.

3

Evaluation

  • We analyse your current financial situation, including cash flow. 

  • We consider how well you could cope financially in various situations. 

  • We assess your attitude to, and capacity for, investment risk. 

  • We discuss your values and any ethical preferences when it comes to investing.

4

Developing your Financial Plan

  • We use cash flow modelling to help forecast possible financial outcomes and look at what actions you might take to help achieve your financial goals. We look at ‘what if’ scenarios to stress test your developing financial plan. 

  • Our holistic approach captures any retirement planning, tax planning and estate planning considerations. 

  • We research possible investment strategies to align with your financial goals, risk profile and any ethical preferences. 

  • We will present our Financial Planning Report to you, taking time to explain your options as well as our recommendations.

5

Implementing your Financial Plan 

  • We help you to implement your Financial Plan, including allocating your financial resources appropriately to meet your financial goals. 

  • Where our Financial Planning Report contains recommendations relating to specific products, we ensure you understand how these will help you to meet your financial goals and we’ll set them up for you. 

6

Ongoing monitoring 

  • We undertake periodic (at least annual) reviews to keep your Financial Plan on track. 

  • We monitor and adapt the Plan to reflect any changes in your life. 

  • We review your investment strategies to keep them in line with evolving priorities. 

  • We’re on hand throughout the year to help with any financial queries. 

Hiking in Nature

Get in Touch

To find out more about how we might be able to help you and the steps involved, please get in touch or book a discover call.

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