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Your Financial Planning Journey

What do you want to achieve – Getting to know you

Our first priority is to get to know you and understand what’s important to you.  We’ll ask about your family, your career or business, your interests and aspirations and your financial journey so far.  We need to know what keeps you awake at night but also what gets you out of bed in the morning.

We understand your financial planning journey is unique so your personal circumstances and objectives are reflected in all we do.

Where are you now (and where are you heading)?

To do this we’ll build an interactive lifetime cashflow model – your AIMS model – which gives you a visual representation of your world and helps you make informed decisions about the life you live, now and in the future.

Your financial planning journey in three simple steps


First, we take time to understand what matters to you, explain how we work and give you an opportunity to decide if we can add value to your situation.

This includes:

  • Meeting(s) with you and your spouse/partner (where relevant) to talk about your concerns, aspirations, lifestyle needs and investment objectives.
  • Understanding your personal and family history, business/career path to date, and current financial position.
  • Introducing you to financial planning, lifetime cash flow modelling and our investment approach.
  • Explaining our services and charges.
  • Exploring how we may be able to help you.

This discovery phase is at our expense – there is no fee charged and no obligation to proceed.

If you then decide to appoint us we will progress to the next stage prior to which we will set out the scope of the work to be carried out, including fees payable in a terms of engagement letter.


Once appointed, we undertake an analysis of your current position, clarify and quantify your financial planning priorities and set out recommendations for approval prior to implementation.

This planning stage has two steps: financial planning review and implementation.

Financial Planning Review

This stage involves:

  • One-to-one time with a designated adviser and planner to clarify personal planning objectives.
  • High level analysis of your current financial arrangements to include pensions, investments, risk management and estate planning.
  • A psychometric risk assessment and understanding of your capacity for loss and an explanation of how that might impact upon any investment recommendations.
  • Analysis of your personal tax position. Construction of a bespoke and interactive lifetime cash flow model, (your AIMS model), to set your planning in context and allow you to explore different scenarios.
  • For business owners, an assessment of the extent to which your business is positioned to help you achieve your personal objectives.
  • A financial planning review meeting to present your AIMS model and agree planning priorities.

Having agreed your priorities, we then provide a recommendation report and implement your plan.


This stage involves:

  • A more detailed analysis of any existing arrangements considering the suitability of product and platform providers and the underlying investment strategy adopted with each arrangement and recommendations to retain or make changes as appropriate.
  • The design of bespoke investment strategies to target your objectives and reflect your individual tax position and the provision of formal advice and recommendations.
  • Completion of all documentation and administration related activities and regular progress updates from your designated administrator and planner as your plan is implemented.
  • Establishment of risk management arrangements if required.
  • A coordinated review of wills, letters of wishes and powers of attorney.
  • Close liaison with your existing advisers (e.g. solicitor, accountant) to discuss recommendations and gain input as required.
  • Access to our secure portal FPC VIEW for up-to-date valuations and secure document delivery.
Once your planning is fully implemented our ongoing review service will commence.


Your personal circumstances as well as the tax, legal and economic environments are constantly changing so it is important to regularly review your position.

Formal review meetings are held at least annually with your designated adviser and planner but more frequent reviews can be scheduled depending upon the complexity of your ongoing affairs or if your circumstances change.

Your review will focus on:

  • You – understanding the implications of any changes in circumstances, addressing concerns and exploring opportunities that may be on the horizon.
  • Lifetime cash flow modelling – updating and refining your personal AIMS model and checking progress against your objectives.
  • Cash flow delivery – ensuring your personal cash position remains robust and planning for additional cash flow delivery from investment or pension holdings as required.
  • Investment planning – reporting on investment portfolio performance against expectations; ongoing review of the suitability of your investment strategies, risk profile, and portfolio holdings.
  • Pension planning – where relevant, advice on future funding, tax planning and income delivery.
  • Tax planning – to make use of tax allowances on an ongoing basis so you can legitimately reduce your overall tax burden given the prevailing tax regime.
  • Estate planning – ongoing review of wills, trusts, gifting strategies and risk management arrangements and where relevant more complex arrangements such as family investment companies and charitable family foundations.
  • For business owners, working collaboratively with your accountant, ongoing review of remuneration and rewards strategies and year end tax planning.
  • For the next generation guidance to prepare them for the responsibilities that come with family wealth and support with their own financial planning journey.

In between your review meetings, all investment holdings are kept under continual supervision and we undertake rigorous ongoing due diligence on all platform providers and individual fund managers.

We employ independent third party consultants to support that governance process, which is overseen by the independently chaired FPC Investment Committee which convenes on a quarterly basis. In between reviews you benefit from access to the FPC team, our technical investment research and regular news insights.

We provide full technical and administrative support on a daily basis including where relevant specialist Small Self-Administered Scheme and Self-Invested Personal Pension Scheme and Trust administration.

Our ongoing review service is designed to give you the confidence and peace of mind that a dedicated and experienced team are looking after your affairs and are on call for you and your family when you need them.

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