How We Work

We get to know your circumstances, needs and goals. We research and develop a plan to help you achieve these. We work with you to agree on this plan and put it into action. We have regular reviews with you to ensure you remain on course.

Take a look at some of the areas that we include in our service.

Financial Education

We provide education, tips and guidance, helping you to develop a better understanding of your finances and take control of your money.

These cover a range of topics to suit everyone, whatever their situation—starting with essential but straightforward insights on money management, budgeting, managing debt and learning to save, before moving on to more complicated matters on understanding risk, choosing between different investments and retirement planning. 

Savings & Investments

Whether you need to save or invest, we’ll find the best place for your money. Our first aim is to fully understand your current situation and plans, your tax situation, attitude to risk, and anything you may already have in place.

We will then recommend the right solution for you from a wide range of products, which could include ISAs and Junior ISAs, National Savings, Fixed Interest Products, With Profit Funds, Unit Trusts or Equities.

As with all areas of financial planning, the earlier you start, the better.

Insurance

Protecting yourself, your income, and your family is, we believe, one of the fundamental building blocks of a sound financial plan. We can help you here with solutions covering various types of Life Insurance, Family Income Benefit, Private Medical Insurance, or Critical Illness Cover.

Mortgages

If you are looking for help for mortgage finance to purchase your first property, arrange a re-mortgage, or purchase another one as an investment, we have access to a wide range of products to suit your needs. Your mortgage outgoings are likely to be the single biggest item of expenditure over your lifetime.

It’s essential to have the right mortgage finance in place for your needs, and we can help arrange this for you. We will also use our regular reviews to ensure your mortgage is still the right one for your needs.

Pensions & Retirement Planning

Your pension is likely to be one of the most important financial assets you will throughout your working life and beyond.
Whenever you plan to retire, you are going to need to have an income to replace the earnings that you will have been receiving through employment.
Pensions are a long-term investment, and the sooner you start, the better, because your contributions have longer to grow, year after year. But equally, because of the tax advantages of pensions, it’s never too late to start either.
We’ll help you understand how much you should be contributing and where it should be invested for your retirement.

Will Writing

A Will is possibly one of the most important legal documents you will ever sign. It allows you to state what should happen to your assets (your money, property, investments and possessions) as well as your young children after you have passed away. Your will must be up to date and reflect your financial plan; we can arrange this for you.

Most financial advisers charge a percentage of the money that you have invested for their service

Typically this will be between 0.5% to 1.00% a year, sometimes even higher. This percentage may not sound like a large amount, but over time it can add up to a large dent in your wealth.

Example One

A pension pot of £300,000 accumulated over 25 years with an annual charge for financial advice of 1% will have incurred costs of £75,000, or 25% of pension size.

Example Two

An investment of £100,000 held for 30 years with an annual charge for financial advice of 1% will have incurred costs of £100,000, equal to the amount initially invested.

How are we different?

We do not charge a percentage of your investment for our services because we do not believe that it is fair or in your interests.

Instead, we charge a flat subscription model for our services, and everybody pays the same as we believe this is the fairest way and is in your interests. Our annual subscription is £330, paid in 12 monthly payments. If you choose to pay annually with one payment, we reduce this to £300.

Try our calculator to see for yourself how much more your wealth could grow with us

We discuss and agree on your plan with recommendations in a further session, and following this, we put your list into action and arrange a date for your annual review.

See how we compare

Financial advisers usually charge in one of three ways for their service. Through hourly fees, typically £50 – £250 per hour. As a percentage of the money you invest, normally there would be an initial charge for setting up a plan of between 2-3% and an ongoing annual charge of between 0.25-1.0%. These seem like small amounts but over time can make a big dent in your investments.

Or, as we do through a flat fee, either for a one off or for an ongoing service. The most important aspect to bear in mind with fees, however they are charged is to keep them as low as possible which means more of your money is invested.

Switching your financial
adviser is easy

We make it easy for you to switch financial advisers. We contact your product providers on your behalf to see if it is possible to switch and if so, we make the necessary arrangements.

Your products will remain place, with just the servicing rights changing, allowing you to benefit from our low charges immediately.

How to switch

Step 1

Speak to one of our financial advisers who will explain everything and talk
you through the process

Step 2

We will check if switching is suitable for you and, if yes, we can make all the arrangements

Step 3

When everything is in place we will contact you again to arrange a review session

How we work

We get to know your circumstances, needs and goals.
We research and develop a plan to help you achieve these.
We work with you to agree on this plan and put it into action.
We have regular reviews with you to ensure you remain on course.

Take a look at some of the areas that we include in our service.

Financial Education

We provide education, tips and guidance, helping you to develop a better understanding of your finances and take control of your money.

These cover a range of topics to suit everyone, whatever their situation—starting with essential but straightforward insights on money management, budgeting, managing debt and learning to save, before moving on to more complicated matters on understanding risk, choosing between different investments and retirement planning.

Savings & Investments

Whether you need to save or invest, we’ll find the best place for your money. Our first aim is to fully understand your current situation and plans, your tax situation, attitude to risk, and anything you may already have in place.

We will then recommend the right solution for you from a wide range of products, which could include ISAs and Junior ISAs, National Savings, Fixed Interest Products, With Profit Funds, Unit Trusts or Equities.

As with all areas of financial planning, the earlier you start, the better.

Insurance

Protecting yourself, your income, and your family is, we believe, one of the fundamental building blocks of a sound financial plan. We can help you here with solutions covering various types of Life Insurance, Family Income Benefit, Private Medical Insurance, or Critical Illness Cover.

Mortgages

If you are looking for help for mortgage finance to purchase your first property, arrange a re-mortgage, or purchase another one as an investment, we have access to a wide range of products to suit your needs. Your mortgage outgoings are likely to be the single biggest item of expenditure over your lifetime.

It’s essential to have the right mortgage finance in place for your needs, and we can help arrange this for you. We will also use our regular reviews to ensure your mortgage is still the right one for your needs.

Pensions & Retirement Planning

Your pension is likely to be one of the most important financial assets you will throughout your working life and beyond.
Whenever you plan to retire, you are going to need to have an income to replace the earnings that you will have been receiving through employment.
Pensions are a long-term investment, and the sooner you start, the better, because your contributions have longer to grow, year after year. But equally, because of the tax advantages of pensions, it’s never too late to start either.
We’ll help you understand how much you should be contributing and where it should be invested for your retirement.

Will Writing

A Will is possibly one of the most important legal documents you will ever sign. It allows you to state what should happen to your assets (your money, property, investments and possessions) as well as your young children after you have passed away. Your will must be up to date and reflect your financial plan; we can arrange this for you.

Most financial advisers charge a percentage of the money that you have invested for their service

Typically this will be between 0.5% to 1.00% a year, sometimes even higher. This percentage may not sound like a large amount, but over time it can add up to a large dent in your wealth.

Example one

A pension pot of £300,000 accumulated over 25 years with an annual charge for financial advice of 1% will have incurred costs of £75,000, or 25% of pension size.

Example two

An investment of £100,000 held for 30 years with an annual charge for financial advice of 1% will have incurred costs of £100,000, equal to the amount initially invested.

How are we different?

We do not charge a percentage of your investment for our services because we do not believe that it is fair or in your interests.

Instead, we charge a flat subscription model for our services, and everybody pays the same as we believe this is the fairest way and is in your interests. Our annual subscription is £330, paid in 12 monthly payments. Or, if you choose to pay annually with one payment, we reduce this to £300.

Try our calculator to see for yourself how much more your wealth could grow with us

Switching your financial adviser is easy

We make it easy for you to switch financial advisers. We contact your product providers on your behalf to see if it is possible to switch and if so, we make the necessary arrangements. Your products will remain place, with just the servicing rights changing, allowing you to benefit from our low charges immediately.

How to switch advisers

Step 1

Speak to one of our financial advisers who will explain everything and talk you through the process

Step 2

We will check if switching is suitable for you and, if yes, we can make all the arrangements

Step 3

When everything is in place we will contact you again to arrange a review session