Our Universal Plan Service

We thought we would share with you some of the steps that make up our Universal Financial Planning service.

Introductory Meeting

This is an opportunity to get to know each other a little better over a coffee, tea or even a beer. At the end of the meeting we will agree whether we would be a good fit for each other. This meeting can either be face-to-face or via a video call.

We love meeting new people so this meeting is always at our expense.

Discovery Meeting

This is an in-depth meeting where we ask you questions about your current lifestyle and the lifestyle you want to lead. We’ll ask you about your goals and your interests. We will also ask you about your existing policies and investments.

Don’t worry, we try and make this as informal as possible and its like having a good chat but about you.

Presentation Meetings

We will typically have two of these; in the first we present your financial plan setting out how you can achieve and maintain your desired lifestyle. In the second we focus on our investment strategy and explain how we manage your wealth in line with your goals and risk profile.

Following our meetings, we will provide you with an Action Plan setting out our recommended next steps.

Advice & Implementation

This is where we implement our recommended next steps. This involves us sending you our Suitability Reports and all of the necessary paperwork.

We try our best to make these as readable as possible but invariably, because of regulations, there will be lots of technical information. Financial services also likes lots of paperwork but we will try and make this as user-friendly as possible.

Advice & Implementation Meeting

In this meeting we will look to go through all of our recommendations with you and to answer any questions that you may have. We will also walk you through the paperwork to ensure that this is completed correctly and signed in the right places.

Part of our job is to ensure that you fully understand our recommendations and we love answering questions and explaining how things work.

Ongoing Management & Strategy Review

This service is fundamental for helping you stay on track to achieve your desired lifestyle. We continually monitor the underlying investments to ensure that they are performing in line with our expectations. We will update your financial plan and make changes as your circumstances change, as markets move and to reflect any changes in legislation. We will then meet at least annually to go through an Annual Review and to provide you with our recommended actions.

Although we will meet at least annually, we are always available to help you with any questions or queries and we will contact you from time to time with information and insight which we think may be of interest to you.