Our Advice Process

After you get in touch, we’ll talk to you about the areas of advice you may need and gather some initial information about your enquiry. This will then help us create a picture of what we can do to help you.

At this stage, we’ll be able to discuss timescales and fees and create an initial approach to helping you. We’ll gather some information about you that relates to your query.

Once this stage is complete, we’ll assign one of our advisers to your case and the details of the initial call will be passed to them to consider.

You’ll now have a detailed discussion with one of our advisers. With the information from this discussion, we’ll explore and research various scenarios based on what you have now and what you would like to achieve.

Following this stage, if appropriate, you’ll be sent an Advice & Recommendations document which details what we would do for you, based on the information we have, and the opportunities we have highlighted.

At this point, you can choose to accept our advice and proceed, or decide that this isn’t the right step for you.

If you choose to proceed with our advice we will begin the necessary work and any fees applicable, as detailed within your Advice & Recommendations will apply. Depending on the nature of the advice we’re offering, there are various ways in which the fee can be taken, such as directly from a pension fund.

If you choose not to follow our advice there are normally no charges, but this will be made clear to you.

*If you have asked us to advise you about a  Final Salary/Occupational/Defined Benefit  Pension we may charge you a fee for this advice irrespective of the outcome.

The state of the economy, interest rates, legislation and tax rules change frequently and this is why it’s important for us to review what we’re doing for you.

As the aforementioned points change, amongst other things, your adviser will react accordingly and make appropriate changes in line with your instructions.

During your review discussion, we’ll talk to you about anything that may have changed in your life that may influence our approach.