When your family expands, you often find your finances are pulled in different directions.

Your children will always be your priority, and they may well still be financially dependent on you. If you have a mortgage, it will likely still be large. Life’s memorable moments, such as graduations, marriages and births, can be costly.

Family life is busy and eventful, and your finances must support every element.

Simultaneously, it’s important to think about the future. Whilst retirement may be 20 years away or more, the sooner you begin to make plans, the easier it will be to transition. Your forties are the perfect time to start taking retirement planning seriously.

As hectic as family life can be, present and future needs, if not managed properly, can put strain on our financial resources. It is essential to have secure structures in place to handle short-term issues and simultaneously plan for the future.

We take a bespoke approach to financial planning. If you work with us, we will follow these steps:

1. Introductory Call

We begin with a brief telephone call to introduce ourselves to each other, understand your needs and expectations, while explaining how we work and answer any questions you may have.

If, at the end of this call, we are both happy to move on to the next stage of the process, we will book an Introductory Meeting. Before that meeting, we’ll ask you to give some serious thought to your goals and aspirations.


2. Introductory Meeting

At this meeting we’ll start to establish your current financial position and discuss your goals and aspirations.

It is during this meeting that we’ll explain whether we can help you and we’ll decide together whether we are the right planning firm for you. Assuming we are both happy to proceed, we will confirm our fees for the work we will undertake on your behalf and book the date of our Planning Meeting.


3. Planning Meeting Preparation

In preparation for the Planning Meeting, we ask all clients to complete income & expenditure and attitude to risk questionnaires.

At the same time, we will gather and review detailed information about all your existing financial arrangements and understand your attitude to risk after you have completed the questionnaire. This process may involve a phone or video call and possibly a further meeting.

4. Planning Meeting

During the Planning Meeting we will present and discuss your financial plan and our initial recommendations then carry out any fine tuning necessary based on your feedback.

Once you are completely happy, we’ll confirm our recommendations and get your commitment to proceed with the implementation of the plan.


5. Implementation

The effective implementation of the plan is a crucial stage of the process. It might require a further meeting, either face to face or remotely.

We will ask you to sign the required paperwork, which we will then submit to the relevant providers. Our team will ensure its smooth processing and you will receive confirmation when this process has been completed.


6. Forward Planning Meeting

Our Forward Planning Meetings are vital for keeping you on track to attain your goals and aspirations. After all, you can’t expect to go to the gym once and be fit for life.

Equally, a Financial Plan needs to be revisited regularly to ensure it remains on track; it must be updated to reflect your changing circumstances as well as prevailing economic and market conditions.

Related case study


Professional family - Ben and lucy

Ben and Lucy had a young family. Ben was looking for a career change, whilst the couple collectively wanted to ensure they could pay for their children’s education and live a comfortable life in the future.
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