Our Advice Process

During our meeting, we’ll work with you to complete the Fact Find, which includes:

• Details about your current financial situation.
• A full retirement and cash flow forecast, if appropriate.
• A risk assessment to understand your attitude toward investment risks.

You can also choose to fill in parts of the Fact Find remotely at your convenience. If that’s the case, we’ll follow up to discuss your key objectives and clarify any important details.

Important: Your goals and aspirations are at the heart of this process. We’ll take extra care to explore these with you during a follow-up call or meeting, especially if you complete the Fact Find remotely.

To move forward, we’ll also need the following identification documents:

• A valid passport.
• Proof of address (e.g., a utility bill or bank statement from the last 3 months).

Once we’ve gathered the necessary information, we’ll carefully research and prepare a tailored plan for you. This includes:

• A Reduction in Yield Report to show the impact of fees on your investment.
• A detailed analysis of any recommended investment or pension advice.
• Supporting documents such as factsheets, Key Information Documents (KIIDs), and illustrations of any new products.
• A Suitability Report outlining our recommendations and how they align with your goals.
• A Confirmation of Fees & Charges document for transparency.

Before presenting your plan, we’ll ensure everything meets compliance standards and is ready for your review.

Unless otherwise agreed in writing you will be able to review the full advice with no obligation to proceed and no cost should you ultimately decide not to work with us.

We’ll meet with you to present your tailored advice and ensure you’re comfortable with every detail. During this step, you’ll receive:

• All completed documents, including the Fact Find and Risk Assessment.
• A clear breakdown of fees and charges.
• The full Suitability Report and supporting materials, such as factsheets and illustrations.

You’ll need to review and sign certain documents to proceed. Rest assured, we’ll guide you through the process and answer any questions you may have.

Once you’ve approved and signed everything, we’ll handle the implementation of your plan. You’ll receive regular updates to keep you informed, and we’ll notify you immediately of any delays. For processes like transfers, we’ll provide weekly updates to keep you in the loop.

If you have any questions at any stage, don’t hesitate to reach out – we’re here to help!