Personal Financial Planning

Independent Financial Investment and Insurance advice without obligation to buy.

In the event you agree to engage us, we spend sufficient time to find out about you, your family and your business. Our fact finding process positions us to give you the best possible independent advice. For example, we will carefully examine your current policies and arrangements and obtain up-to-date statements and valuations.

We will investigate whether existing plans might have death benefits paid under a trust and, if necessary, we can arrange an appropriate trust.

You might wish to find out what State pension benefits will be due to you and we can obtain an accurate assessment and projection for you.

Possible areas of concern might be:

When we have established sufficient information about your financial position, your aims and your objectives we prepare a report. The report will show how likely it is that your existing arrangements will achieve your objectives. Should any modifications seem necessary we will make suggestions as to your best course of action.

The report contains a detailed rationale of the reasons for recommendation. Following the report a second consultation will explain our recommendations and why they are the best for you with particular emphasis on:

If you decide to act on any of our suggestions we complete all required paperwork with you. Our administration team will submit any application forms to the relevant companies and oversee the process to a satisfactory completion.

We will product a 'reason why' letter which will again be written confirmation of the reasons why we are recommending a particular product.

Each year, or as agreed, we will review your position and the progress of all our arrangements.

We will obtain updated valuations and forecasts. Effectively, this system provides you with a continuous assessment of your financial position.

We enable our clients to make their own prudent choices based on updated, reliable and accurate information.