Risk Statements

• The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.
• The Financial Conduct Authority does not regulate on Estate Planning.
• The Financial Conduct Authority does not regulate on tax planning.

Estate planning is not regulated by the FCA

Tax planning is not regulated by the FCA

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk.

The value of the investment can go down as well as up and you may not get back as much as you put in.

We provide comprehensive advice to individual clients on the following matters:

• Holistic Financial Planning
• Retirement Planning
• Investment Planning
• Regular Savings
• Protection
• Taxation
• Estate Planning
• Medical and Healthcare Insurance

Holistic financial planning begins with a preliminary financial advisory process that includes an initial fact finding stage. This initial stage of the process is geared towards assessing a clients likes and dislikes, general opinions, goals both short and long term. Also during this initial fact finding stage, information such as a clients risk tolerance is also gathered and filed for analysis. Then after the necessary preliminary information has been gathered, it’s on to the next phase.

This secondary stage would be the strategy recommendation stage, where all of the data gathered is used to formulate an inclusive and objective strategy which takes everything into account. In this stage the clients objectives and goals are prepared and laid out with a focus on creating wealth, debt management, taxation plans, estate planning and of course risk.

The final phase of the holistic financial planning process involves the monitoring/review process. As previously indicated, this is a continuous and on going function which benchmarks the applied overall plan outcomes and performance levels, factored against the clients perceived goals and objectives.

This on going process includes periodic portfolio value assessment reports, portfolio review meetings and strategy sessions and of course the end of year pre-taxation strategy and planning sessions. We ensure our holistic advice for clients is geared towards growth, security and peace of mind.

If you would like assistance or for more information on holistic financial planning please call us on 01206 230 431.