Initial Meeting

This meeting will give you an opportunity to explain in more detail your current financial circumstances and for us to discuss your goals and aspirations over the short, medium and long term. This will also give us the opportunity to explain to you the way we work as a business, something of our business ethic and the way in which we charge for the services that we offer.

You will be asked to bring to this meeting documentation that we are required to request in terms of formal identification. We will also ask you to provide us with details of your financial circumstances (assets, liabilities, income, expenditure, etc). We will also discuss with you your attitude to risk.

The information that you provide at this meeting will enable us to agree with you your current circumstances and your future goals. This will give us a comprehensive picture of your situation which we can then analyse.

Action Plan

This leads on to the formation of an Action Plan which details how you can best reach your stated goals. This will be in two distinct stages:

• Advice

The information that you provide to us will enable us to undertake an analysis of your present circumstances and will also enable us to determine whether the means that you currently have in place are the most appropriate to meet your future goals and aspirations. We will provide up to date valuations of your present investments and, by means of our specialist computer modelling, will be able to determine whether they are the most appropriate to meet your requirements. We will provide you with unbiased advice on the need for any change.

From our analysis of your current circumstances and our knowledge of your goals and aspirations, together with your attitude to risk, we will undertake complex financial forecasts that will help us to determine how best to achieve your lifetime goals.

Any advice that you receive from us will be clear and unambiguous and we will ensure that you fully understand that advice and the implications that flow from you accepting that advice.

• Implementation

Once you have understood the advice that we have given we will accept your instructions, whether it is to follow our advice or otherwise, and we will implement your instructions speedily and effectively in a professional manner.

Regular reviews

Throughout the length of our relationship, which we trust will be a long one, we will keep your circumstances under regular review to ensure that we are on progress towards meeting your goals. You will be invited to attend a review meeting at least once a year. You will also receive news from us by email and will be able to check your fund balances in a secure area of our website.

You might like to browse our Life Stages guide which provides helpful information relating to financial matters appropriate to different stages of life.

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