Life is a journey and we hope that you will share your journey with us. We pride ourselves on the dedicated, one-to-one relationships that we have with our clients. This means that we will get to know you very well as we go on the following journey together.
This is the ‘getting to know you stage’ and helps us to understand your goals and what you’ve done so far to achieve them. It’s really important that you have an open mind and be ready to explore what you really want to do with the rest of your life.
Agreeing goals, objectives and priorities
We’ll identify your needs and objectives and discuss your desired outcomes and timescales. We’ll also go into some detail to work out your attitude to risk when it comes to your money and your capacity to manage if you should lose your income.
Lifetime Cashflow Projection
This is usually an eye-opener for our clients, as we illustrate how your current financial plans will meet your needs and objectives. The cashflow projections helps us to identify any potential shortfalls or gaps in your financial planning.
Analysing and processing information
We’ll write to all of your current providers to obtain full details of your existing plans. Then we’ll analyse the suitability of the current plans, including the charges, guarantees and penalties. Following this, we’ll select the most cost-effective financial products which will match your needs and help you to achieve your goals.
Making a recommendation
Using all the information gathered about you, your needs and priorities, together with the research and analysis we have undertaken, we’ll present your financial plan to you, taking time to explain our recommendations and why we consider them suitable.
Once we’ve agreed on the most suitable products and providers to match your needs, we’ll gain your authority to proceed. We’ll then complete the required paperwork and documentation and submit them to the relevant providers.
This is the most important step in our ongoing relationship. Your goals and circumstances are likely to change over time, so once your financial plan has been implemented, it is vital that it is monitored on an ongoing basis. This way, we can adapt your plan to meet your needs and help ensure that your goals will be achieved over your lifetime.
Why work with us?
Our vision is ‘to help our clients manage their finances to live the lifestyle they want, without fear of running out of money’.Find out more
We really do change people’s lives! Meet some of the clients who we’ve helped to enjoy their wealth over the years
Clive & Karen Seeley
We are delighted with the service provided by Andrew and his team. They listened to what our goals were and worked with us to provide a solution to achieve them. Andrew’s support and advice has ensured that we can now relax, enjoy our retirement and achieve those goals.Read more
Jeremy & Jayne Cooke
The model Andrew has provided allows us to have a choice with Jeremy’s pension. It provides funds in later life, but also allows us to have sufficient income while we are still young and fit enough to be able to do the things we want before Jeremy’s health deteriorates further.Read more
Andrew completely changed the way I thought about planning for retirement. Without Andrew’s help and advice, I would probably have had to continue to work well beyond age 60. A year into retirement, my finances have worked out exactly as planned. I will always be grateful.Read more
Paul & Ruth Jeffries
After working hard for many years, we wanted a retirement that we could enjoy, not just ‘scrape through’. We needed to know there was still a future there to enjoy, and the plan that Andrew created for us has given us the financial security to retire with confidence.Read more
Graham and Sherill Worgan
On meeting Andrew for the first time we were extremely impressed by the considerable time he spent in determining and fully understanding our retirement needs and aspirations. This has contributed considerably to the enjoyable and secure retirement we have enjoyed since 2013.Read more
Bob and Judith Choppen
Andrew’s approach was different in that he spent a great deal of time with us understanding what we wanted to achieve from our total assets during retirement. We remain very happy and value his friendly nature and interest in our current needs.Read more