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• Cashflow Planning - we use the latest technology to provide clients with visuals as part of cashflow planning that illustrate where they are, where they want to be and including the events or lifestyle that they want to plan for. 

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• Protection - we provide advice on putting insurances in place to protect future lifestyles in the event of illness or death.

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• Funding for retirement.

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• How best to use financial assets to provide the desired lifestyle in retirement.

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• We agree an appropriate Risk Profile for any invested assets that align with a client’s objectives and requirements. We use risk profile questionnaires and cashflow planning to aid discussions and put considerations into context.

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• Ethical/Socially Responsible/ESG (Environmental, Social & Governance) investing – you may have personal views and preferences that you would wish any assets invested on your behalf to reflect. We will listen carefully to what you say and explain some of the terms used so that, between us, we can agree what would be appropriate for you. 

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• Regular review & planning meetings - we keep your financial planning arrangements under regular review and evaluation. Plans, circumstances, health, work change, life happens. We get this. We work with you to incorporate such changes into your financial plan by having regular review and planning meetings. 

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• We consider tax efficiency in planning a client’s financial arrangements. 

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• We consider the extent to which your assets may be liable to Inheritance Tax. We then consider Estate Planning strategies and which, if any, may be appropriate for you.  

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• With your permission, we will work with other professional advisers such as your accountant, solicitor or stockbroker so that we are all aligned with the same objectives in providing advice to you.