The Stages of Financial Advice

Navigating your financial future isn’t a one-time conversation — it’s an ongoing journey. Quality financial advice typically follows four key stages designed to help you clarify your goals, build a strategy, and adapt as life changes.

1

Discovery & Understanding with our free initial consultation

“Where are you now, and where do you want to be?”

This first stage is all about getting to know you — your financial situation, personal values, life goals, and any challenges or concerns you may have. An adviser will ask questions about your income, assets, liabilities, lifestyle, and future aspirations.

“Here’s how we get you from A to B.”

Once your goals and circumstances are clear, the adviser will develop a tailored financial plan. This might include investment strategies, retirement planning, investing, insurance solutions, tax planning, and more. The plan will outline how to turn your goals into actionable steps.

2

Strategy & Recommendation

3

Implementation

“Let’s set your plan in motion.”

The advice becomes action. During this phase, the recommended financial strategies are put in place — whether that’s opening new investment accounts, adjusting insurance cover, or setting up automated savings. The adviser will coordinate with financial institutions and ensure everything runs smoothly.

“Let’s keep your plan on track.”

Life doesn’t stand still, and neither should your financial plan. Regular reviews ensure your strategy stays aligned with your evolving goals and external changes (like new legislation, market shifts, or personal milestones). Good financial advice is a long-term partnership.

4

Ongoing Review & Adjustment

  • The value of investments and any income from them can fall as well as rise. You may not get back the full amount invested.
  • The Financial Conduct Authority does not regulate some aspects of Cashflow Planning and Tax Planning