Telephone: 0141 331 2221

The Client Journey

Our advice is drawn from the collective experience of the business and we use this to evaluate your overall situation. Our advice is not solely focussed around selling products and is based on independent and free thinking around what is best for you and your family.



What are you looking for? Can and should we work together. Where can we add value? How do our charges and service proposition work? Are you looking for advice in a particular area or areas or a financial plan? By the end of the first meeting you should be in a position to decide whether or not you wish to become a client. If you do you will be asked to sign an engagement letter and you will be committing to pay us a fee. If you do not wish to proceed then you will not be charged anything.

In between Initial discussion and 2nd Meeting

We will request up to date information from any of the companies that you have policies with. We will ask you to carefully complete a comprehensive income and expenditure analysis. We will ask you for information on your assets and liabilities. We will ask you and your partner to complete a risk profiler. We will request information on state pensions on your behalf. Once we have all this information we will collate it onto our back office system called intelliflo where it will be financially secure. We will then prepare a written overview of what you have together with recommendations and this shall form the basis for our next discussion.

Second Meeting

We will discuss our findings with you in detail so that you can make clear decisions as to the way forward.



If you wish to proceed with any of our recommendations then we will pull together all the necessary paperwork on your behalf.



This is where we feel we can add the most value.

What can you expect from an annual review?

A thorough update of your financial and personal information. We will prepare a summary report with up to date information on all polices you hold via ourselves. An updated analysis of your income and expenditure (where required) in order to agree a level of disposable income. An assessment of the performance of your investments we manage on your behalf. Reassessment of your attitude to risk. We will implement changes to strategy where necessary. We will review your protection needs. We will review your levels of debt such as your mortgage in order to ensure you are not paying more than you need to. We will run some cash flow forecasts and projections to see if you are on track to meet your retirement goals. We will look at tax efficiency and try to ensure you are paying as little tax as possible in light of changing legislation. Following the meeting we will provide you with a written summary of the discussion.

“We cannot control the wind but we can adjust the sails”