What do you do?

This is a common and understandable question.

The fact is, the approach we take differs for every client, according to their needs, circumstances, risk appetite, knowledge and a range of other factors.

That said, the basic key stages in the process are common to most clients. They are:

  • Developing a comprehensive understanding of the client’s current position.
  • Develop a comprehensive understanding of the client’s outlook.
  • Developing a comprehensive understanding of the client’s goals.
  • Develop a comprehensive strategy to address the goals given the current position and outlook.
  • Identify the financial products that best suit the client’s personalised strategy.
  • Implement the client’s strategy as agreed over the agreed period.
  • Review the strategy and investments regularly taking into account the changing environment and client circumstances.


Who are your typical clients?

There is no such thing as a typical client. Indeed, it is because each client is different that a personalised approach is so important.

That said our clients do include:

  • People of all ages planning for retirement.
  • People of all income levels who value planning.
  • People who have retired and want to live well.
  • People facing or experiencing redundancy.
  • People receiving a lump sum inheritance.
  • People buying a home or planning another significant investment.
  • People with children on the way.
  • People who are getting divorced.

The fact is, we work in partnership with people in just about every circumstance who value planning and understand that one size does not fit all.


What insurances should I have?

Here is yet another example of where one size does not fit all. There is no simple answer to this question.

Insurance is all about risk and the protection of your assets. Everyone has different risks and different asset profiles – and maximising value requires understanding all of the issues and considering all of the options.

There are four main categories of insurance that need to be considered:

  • Term Life.
  • Total and Permanent Disability.
  • Trauma.
  • Income Protection.

A cost benefit analysis is required in each of these categories for each client.