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How we do things

Your financial needs are unique to you. This means the advice you receive from us is flexible and tailored just for you. It can include:

  • Wealth management – savings, investments, tax-planning, retirement planning
  • Personal and business protection – Life cover, critical illness cover, income protection cover, business cover
  • Wealth preservation – Estate planning, succession planning trusts, key business person

Our process for providing you with quality advice follows a four-stage process, where each stage reinforces the one before. It’s a continuous process, allowing your personalised plan to be adapted as your needs and circumstances change.

The value of pensions and investments can fall as well as rise, you may get back less than you invested.

The Financial Conduct Authority do not regulate tax and estate planning.


Nothing stands still, so it makes sense to review your plans regularly. We suggest you do this annually. This way you will find out if your plans are affected by changes to legislation or taxation. You will also hear from us if we have something that we feel will interest you.

Understanding you

By gathering information from you we will find out about any plans you already have in place. Then by exploring your attitude to risk and return, and your hopes and aspirations, we will build a picture of what you want to achieve. At this stage you will find out what to expect from us and how you will benefit from using us. We do not usually charge a fee for this stage.


We’ll explore and research various scenarios to make the best use of your existing plans. We’ll then recommend how you can build on your existing plans so you give yourself the best chance of achieving your goals.


Like most of our clients, you will probably prefer us to do the necessary work to put your plan into action. This will save you a lot of time and effort and ensure your plans are set up correctly. We will charge you a fee for doing this, which we will explain to you. Alternatively, you may decide to implement our recommendations yourself, in which case we just charge you for our time and advice.

For more information on the investment solutions that we offer, please read more here.