Financial planning explained

Planning for your future can be a daunting task and often it’s hard to see how all the pieces in your ‘financial jigsaw’ fit together. Questions like “Am I saving enough to be able to retire at 55?” or “Do I have sufficient protection in place?” can be difficult to visualise and view as a bigger picture. That’s where financial planning comes into play.

What is it?

Financial planning is all about helping you see that bigger picture. It focuses on you and the life you want for the future, and sets out a clear plan for achieving it. It’s totally dependent on you and your circumstances, and it’s always evolving.

Our financial planners are experienced in helping our clients devise sound financial plans to help fund the life they want to live in retirement. Using cash flow modelling tools, we can help you establish whether you are saving enough to meet your long-term goals – or alternatively, whether you have money you could be spending!

We can appreciate life can throw some curveballs, but with our experience we can help adapt to these, modifying your financial plan to ensure you’re still able to live the life you want.

The financial planning journey

Every person’s journey is unique, but they all start from a similar place of discovery. Here’s what you can typically expect from our financial planning process.

1) Getting to know you

This initial stage is all about you. We’ll get to know more about your goals and objectives, as well as understanding where you are now.

2) Research and analysis

We’ll conduct a thorough research process, during which we’ll review your current finances, investments and pensions. Once we’ve collated this information, we’ll begin to build a bespoke financial strategy for you.

3) Presenting our analysis

We’ll present our recommendations to you, and you’ll have the opportunity to feed into the plan and make any changes you see fit.

4) Implementation

Once you’re happy, we’ll proceed with putting our recommendations in place. We’ll take care of everything, so you don’t need to worry.

5) Maintaining the plan

Our work doesn’t stop once everything is in place. Equally important is maintaining the plan, and ensuring you stay on track.

6) Ongoing services

We value long-term relationships with our clients, so whatever you need help with in your financial life, we’re here to support you throughout.