Planning for retirement
Our high net worth advice process
We welcome your enquiry large or small. When you deal with us our first and overrding ambition is to help you understand your current arrangements, the general rules around pensions and your options. If you then choose to use our services great! We take pride in explaining everything in a lanugange everyone can understand.
We start with an informal chat where we learn what your hoping to achieve. We introduce ourbusiness so you fully understand how we work and who we are. If your comfortable to proced we build then a fuller picture of your current situation.
This may involve working with your accountant and or solicitor to compliment their recommendations.
We explore investment risk as investments do go down as well as up. The more risk your comfortable with the harder the falls will be when markets change but this this rewarded with POTENTIALLY higher returns over a longer period. We discuss this in great detail at our meeting to ensure you understand and are comfortable with how your money can change in value.
Once we have this picture we send you an engagment letter which sets out our understanding of your current situation, your objectives and most importantly our fee proposal to research, recommend adn impliment a solution for you. Each proposal is unique as every persons personal circumstances are unique.
Once you confirm back to us engagment we start the formal research to build a recommendation which includes writting to any providers your currently use to get full information on plans you currently hold.
We may include a meeting to one or more discreationary fund managers at this stage so you can meet and get a feel for the right discreationary fund management service.
We then meet again to present and explain our research and recommendation.
If you are happy with the recommednation we then complete all the paperwork for you and ensure the new arrangments are set up smoothly.
This starts an ongoing relationship as we meet with most of our clients annually to review how your life has changed, review the performance of our recommendations and update you on any regulatory changes. We will usually meet annually with the DFM to get their annual report. This is the time to make any tweaks or amendments to keep you on track.
Past performance is not an indicator of future performance. The value of investments and income derived from them may go down as well as up and you may not necessarily get back the amount you invested.