Wealth Planning Process

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A truly independent experience

We advise on all aspects on finance planning, including life cover, investments and savings, pensions and retirement planning and inheritance tax planning. All of our advisers are fully qualified, and some hold specialist qualifications for advising on more complex areas.

We also provide advice to corporate bodies and Pension Scheme Trustees through Premier Benefit Solutions and Premier Pensions Management.

Discuss

Our initial discussion meeting is free of charge with no obligation. This is usually a face-to-face meeting where we identify any assets and liabilities and assess your current financial situation.

During this initial meeting we will discuss what is important to you and establish your financial and personal goals and objectives. We also gauge your personal attitude to risk and discuss potential solutions.

Your adviser will also discuss fees and next steps should you wish to take our advice further.

Discuss & Consider
Recommend & Implement
Review

Consider

We take time to consider all the factors that impact on your financial picture and potential outcome.

To achieve your financial goals and objectives, we consider your existing assets and liabilities, future plans, needs, timescales and your approach to investment risk.

There are other important factors such as taxation, economic factors, market conditions and legislation which all influence our recommendation. In reaching our recommendations, all the above factors are balanced alongside your financial and personal objectives, attitudes and future aspirations.

Recommend

We use the information that we have gathered to recommend the most suitable solution to meet your financial objectives at that time. Our recommendation is confirmed in writing.

Your consultant and our dedicated team of paraplanners work together on your financial plan using technical diagnostic and cash flow modeling tools to produce personalised solutions for you. We’ll prepare an illustration and recommendation for you and take the time to make sure you understand the detail.

Implement

Once you’re happy with the proposed solution, we’ll put your plans into action and liaise with the relevant product providers.

We carefully monitor the progress of any transfers and purchase of any investments. Your personal consultant will keep you up-to-date with progress and will stay in regular contact with you.

Review

We’ll review your financial situation to ensure you are on track and to check if there have been any changes in your personal circumstances.

We also review your investments to make sure that they are performing within your expectations for your agreed level of risk. Investment market conditions, new legislation or tax laws, are all important factors to consider in a review.