Properly managing your investments and making the right financial decisions takes time, skill, and effort. It’s not a one-time thing, either. Finding time to research financial questions, evaluate your options, and execute a decision takes time. Even if you could make the time, perhaps you’d rather not if it takes time away from other things you would rather do. Personal finance isn’t interesting to everyone! And it doesn’t have to be. But if you’re neglecting your finances, it’s likely it is costing you money and your hard earned funds aren’t working as well as they could for you, time is money, and there’s a cost to delaying good financial decisions or prolonging poor ones, like keeping too much cash or putting off planning for retirement. We have one simple and clear objective: to make financial advice available to all who need it. We believe in developing long-lasting relationships with you which are built on understanding and trust.

We aim to provide you with a clear and transparent advice service that outlines all charges applicable which will be clearly agreed prior to us formulating a plan or sourcing a mortgage. Our initial meeting is free of charge and you are under no obligation or pressure to take things further. Charges normally fall under the following categories; Initial Advice Charge – This is a charge for setting up your financial plans. Provider/Product Charges – These are charged by the financial service provider such as costs for managing the investment and administering the product. Ongoing Adviser Charge – This charge is applicable for clients who wish to review their financial plans on a regular basis. Mortgage application fee – This is a charge for us sourcing the most appropriate mortgage or equity release product for you.

As part of our ongoing advice service, we will review your plan on an agreed regular basis to ensure that any investments remain on track to meet your original objectives, tailoring them to suit over time if your circumstances change or indeed if investment markets dictate a change of plan or risk tolerance. Furthermore we will create a lifetime cash flow plan to enable you to visualise what your retirement or specific investment objective may look like, taking into account factors like additional expenditure along your time horizon or indeed any unforeseen circumstances such a dramatic stock market falls. We want to be alongside you all the way on your journey to financial prosperity over time, that’s why it is vitally important to continually review your financial plans.

Every client is different and initially we need to discover more about your circumstances, financial goals and aspirations. We then also need to understand what level of risk you would be comfortable taking on with your investments as well as your previous investment experience.  Once we have gathered all of this we can formulate an investment strategy tailored to your needs. We do this by using the latest technology to research your options, this along with our expertise in financial markets means we can find you the most suitable investment products and providers available, also being part of a much larger network of financial advisers committed to independence we are able to secure preferential fee reductions from certain investment providers.

Being truly independent means we can use any lender or provider and research the whole of the market to ensure we are getting you the best deal to suit your individual needs. With different lending criteria, rates and charges imposed by the various lenders or equity release providers, it is important that we negotiate the right deal for you. We work efficiently and quickly on your behalf, understanding that speed is often of the essence.