How We Work

As independent financial advisers we are free to advise on financial products available from all product providers. 

You will get our help to review your existing financial situation and reach a realistic assessment of your needs. For this you will need to set aside some time to talk to us, the consultation is at our expense, there is no charge to you and no obligation, while we find out together if both parties should proceed.

Depending on your instructions we will carry out a needs analysis based on your current situation and considering any specific plans and/or targets you may have. We will then advise you on anything from a short-term financial objective to a lifetime financial plan, followed up with regular reviews.

You will receive professional advice about where your financial arrangements are already good, and where they are inadequate (or not covered at all).

You will also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course, it will all be sensibly balanced in relation to your current income and your prospects.

All of our proposals will be fully explained and costed so that you will know exactly what and why before you agree to anything.