An in depth meeting to discuss your individual circumstances and your goals but equally importantly for both parties to get to know each other and decide whether they can work together. At the end of this meeting we would agree what if any work you would like us to do for you and the costs of our service.

We would develop your financial plan, including lifetime cashflow analysis and research the market for the most appropriate solutions.

At this meeting we would discuss in detail your financial plan and confirm that it meets your requirements.

We would agree with you the next course of action.

Ensure that the plan is implemented accurately and that clients are kept informed at each stage.

It is essential to review every financial plan regularly because things always change.

The review stage is probably the most important part of the whole process and the area where we are increasing focussing more and more of our time with clients. It has also been the area most neglected historically as the interests of the client and the adviser have not always been aligned.

Our ongoing service fee covers all calls, emails, review meetings cash flow reports and rebalancing. All initial plans are just that and will rarely exactly reflect what actually happens as often circumstances, legislation and returns will often change and so will need to be reviewed and the plan adjusted, but not the goal.

Included in the regular reviews are:

• Review and agree attitude to risk and re-balance portfolio accordingly
• Review personal and financial circumstances
• Re-run cashflow analysis to ensure the plan still 'works'.
• Adjust the plan, but not the goal