STEP 1 Discovery

Our first conversation is all about you – your ambitions, priorities, and concerns. We take the time to:

• Understand your lifestyle goals and financial position
• Define what financial success looks like for you
• Explore what’s truly important to you about money

We also outline how we work, ensuring full transparency around our services and fees before proceeding.

STEP 2 Planning

With a clear understanding of your goals, we start developing a personalised financial plan, ensuring every decision is tailored to your vision for the future.

• Cash flow forecasting to map out your financial trajectory
• Investment strategy discussions to align risk with your lifestyle goals
• Scenario planning to explore different financial outcomes

This is an interactive, collaborative process—ensuring your financial plan is practical, adaptable, and built around your unique needs.

STEP 3 Analyse & Evaluate

Before presenting your financial plan, we conduct a detailed evaluation of your current financial position.

• Assessing income, expenditure, assets, and liabilities
• Identifying tax efficiencies and opportunities
• Evaluating existing pensions, investments, and protection strategies

This step ensures that your financial plan is built on accurate, comprehensive data, allowing us to provide clear, actionable recommendations.

STEP 4 Strategy

Your Lifetime Financial Forecast is finalised, setting out:

• Your current financial position and key milestones
• Your personalised investment, wealth, and estate planning strategy
• Any gaps or refinements needed to achieve your objectives

At this stage, we present your comprehensive financial plan, which you are welcome to take away and review at your own pace. There is no obligation to proceed – this is your opportunity to evaluate the recommendations, reflect on the strategy, and decide if you’re ready to move forward.

STEP 5 Implementation

Once you’re ready to move forward, we take care of the details:

• Formalising recommendations and agreements
• Managing provider communications on your behalf
• Ensuring a smooth, efficient setup of your financial plan

We handle the complexities so you can focus on what matters most living your life with confidence.

STEP 6 Ongoing Future Planning

Financial planning is a continuous journey, not a one-time event. As life changes, so should your plan.

• Annual reviews to ensure your strategy stays aligned with your evolving goals
• Regular check-ins to adjust for life’s unexpected changes
• Proactive guidance to keep you informed and confident in your financial future

We don’t just create financial plans – we build lifelong partnerships to ensure your wealth continues to serve you, your family, and your legacy.