How it works 

Financial Planning Cheshire - How we work 

Financial Planning Cheshire - we have a refreshingly new style of conversation with our clients about their money. You will find this is centred on their aims and aspirations.  
Firstly we have a no-obligation meeting where we get to know more about you and where you want to be. This also gives you a chance to find out more about us. 
The next stage takes us through our specially tailored process. In other words this enables us to start to create a plan that will give you the financial independence you crave. This happens over three stages where we research and analyse the investment options, presenting these back to you before implementing them.  

Client Relationship Manager 

As well as having your own Financial Planner, you will be allocated a Client Relationship Manager who will deal with all your administrative requirements and be able to answer your general queries. 
But creating the plan is just the beginning. From here you'll have access to a qualified and highly experienced Lifestyle Coach and Business Mentor to inspire you to create and fulfil on the life of your dreams. This will help to ensure you remain on track and continue to reach your potential. 
We work best with people who... 
Are active and ambitious 
Are family orientated 
Value long term relationship with their adviser 
Value advice 
Have more money than time to spend it 
Are interested in money and making it work harder 

Our Three Hat Process 

Life Planner 
We want to get to know you. By doing this, we establish where you are now and where you want to be.  
We will inspire you to discover and fulfil possibilities to give you a new vision of your financial future. 
Financial Planner 
We start by understanding your financial position, crunching the numbers then ultimately working out how much is enough so that you can live the life you love.  
How much do you really need? By determining your priorities we create a timeline centred around your lifestyle. It's important to understand where you currently stand so that we can determine the best outcome for your financial future. 
Financial Adviser 
For all the technical stuff, we advise on and implement products to assist you on your journey of abundance. We will only include these products if appropriate to your plan. 
These products include:  
Regular savings and investments  
Asset Allocation Models  
Pensions & Transfers  
Tax & Inheritance tax planning  
Risk profiling 
New Vision's Products & Services 
Where appropriate we recommend financial products and services. As Independent Financial Advisers we source these from the whole of the market. 
We specialise in investment, retirement and later life planning. Including; 
Inheritance tax advice  
Legacy planning 
Personal protection 
Business protection 
Where we are unable to provide advice or a suitable solution, we will call on our network of contacts and refer you with confidence. 
In the area of savings, investments and pensions we have an investment proposition that will suit all types of investors with differing attitudes to risk.  
Whether you prefer an active or passive style of investing, or an alternative approach such as Environmental, Social and Governance investing (ESG) we have a solution which will suit your requirements.  
This includes our popular in-house investment proposition, Intelligent Investor, which has been specially created for those approaching or at retirement. It aims to manage risk and reward, and closely follows trends in the market.  
We will never make any changes to your investments without prior consent. Furthermore we will always assess the continuing suitability of the investment product we have recommended. In addition we will write to you once a year to confirm our choices. 
We offer a full Lifestyle Financial Planning programme and a range of other forward-planning programmes. These may include personal and/or business cash flow modelling, to clients with more in depth requirements on an ongoing basis. 
Please note: The Financial Conduct Authority does not regulate cash flow modelling. 
A Transparent Approach to Financial Planning 
Our fee structure is completely transparent; there are no hidden costs, and you will never receive an unexpected bill from us. 
The initial 'exploratory' meeting is always at our expense. In other words you will be offered a free initial consultation. 
If your requirements are straightforward, we will usually be able to give you details of the fees that you would pay at the initial meeting. For more complex requirements we'll take time to consider the most cost-effective way for you to work with us. We will then come back to you a few days after the meeting with our initial ideas, costs and benefits. 
Our range of services is very broad and we tailor them to your specific needs.  
We may charge a one-off or fixed monthly fee for services based on your; 
Initial advice 
Ongoing investment advice  
This fee will be based on a percentage of the assets under advice. Or we may charge a combination of both. 
We will take on as much or as little as you want us to. The choice is yours. 
Our typical fees are detailed in our Services and Costs document and our Menu of Services, copies of which are available on request. 
Please note that these are typical fees. Once we get to know you and your requirements, we will always prepare a separate personalised document for you. This will outline the specific services we will provide and the costs and benefits you can expect from working with us.  
We will always request your signature prior to commencing work on your behalf. 

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