Our Process

A step-by-step process infographic with four stages: 1) Exploratory Meeting, 2) Discovery costing 250 pounds, 3) Creation of your Financial Plan costing 1,750 pounds, 4) Advice & Implementation costing 1,000 pounds, connected by a dotted green line.
A step-by-step process infographic with four stages: 1) Exploratory Meeting, 2) Discovery costing 250 pounds, 3) Creation of your Financial Plan costing 1,750 pounds, 4) Advice & Implementation costing 1,000 pounds, connected by a dotted green line.

Our Initial Advice Process

The fees for developing and implementing our recommendations vary according to the complexity and scope of the work required and the type of products we are implementing (e.g., investments, insurance).
We view our service offering as a seamless flow of key waypoints, to make sure you and your family are on the right financial journey. However, you have the opportunity to depart our onboarding process at the end of each stage – before commencing the next.  
We will agree all fees with you before commencing our services. Our financial planning and initial advice fees are as follows:
Our typical advice fee starts at £3,000, broken down into following stages of the advice process:

1. Where Do You Want To Go

A short meeting held at no cost to you. We will discuss what you are trying to achieve, how we can be of service and explain our planning and advice process in more detail.

2. Starting Your Journey

We gather full information of your existing plans. These will be presented to you in a one-page summary, showing product details & features, costs, performance, and non-personalised guidance notes.

3. Your Personalised LifeMap

Using the information gathered, we explore your current situation and goals. We then use cash-flow modelling to put in place a financial plan to help you achieve those objectives. This will include non-product specific recommendations such as contributions, changes to funds, products or withdrawal rates.

4. Putting You On The Right Path

Based on your LifeMap plan, a recommendation is made for a specific product or policy, and is set up for you.

Our Ongoing Planning Process

We believe that maintaining your plan, by conducting an annual meeting, is the most fundamental part of ensuring that you reach your financial destination.
Our standard annual fee for this service is £1,500 per person, or £2,250 per household.
We believe in tailoring our ongoing services to clients’ personal circumstances and needs – charging for complexity, rather than a percentage on a value of assets. A summary of additional services, to meet your individual needs, can be found below:
An infographic titled 'Our Ongoing Advice Process' outlines additional services and costs, including complex income savings, income planning, estate planning, and complex needs, with a recurring annual advice fee of £1,500.