FSF News

Budget 2017: Plans to build 300,000 homes a year The chancellor says he understands the difficulties young people have in saving for a de... Read more...

Hammond: Driverless cars will be on UK roads by 2021 The chancellor says the country must embrace new technologies in order to succeed.... Read more...

Chancellor Philip Hammond's 'no unemployed' remark attacked The chancellor made the comment as he played down the threat posed to jobs by new techno... Read more...

Labour's John McDonnell demands 'emergency Budget' Shadow chancellor John McDonnell demands 'an emergency Budget for public services '.... Read more...

Retail sales in first annual fall since 2013 Despite the annual sales fall, the underlying picture is one of growth, the UK statistic... Read more...

Brexit: Goldman Sachs chief Lloyd Blankfein suggests second vote Lloyd Blankfein tweets that many want a "confirming vote" on a "monumental and irreversi... Read more...

Russia and Venezuela agree debt deal Russia said it had agreed to minimal repayments over six years on more than $3bn in debt... Read more...

What you should expect from us

The first step upon appointment is to gather as much information on your current situation as possible and begin to scope out your goals and aspirations.

Next we conduct a thorough analysis of the risk you are prepared to take, can take and should take. This process forms the bedrock to future investment planning and determines the mix of assets that we subsequently recommend within your portfolio, the underlying funds and the growth rate we assume for projections as part of our lifetime analysis.

During the initial few weeks, under an authority from you, we will write to all of your current providers and request full details of your plans.

Sophisticated cash-flow analysis helps shape future strategy by projecting income flows from all assets into retirement. It also allows us the chance to conduct ‘what if’ scenarios showing the impact of additional investments or a change of circumstance such as retiring early.

Once all of the research is in place we will analyse this in the context of your current situation and your risk profile to develop recommendations on how best to meet your goals.

We will deliver these recommendations at a meeting and leave you with written advice thereby allowing you a period of reflection before meeting again to answer any questions.

We may decide it appropriate to refer you to one of our investment partners in which case we would suggest they attend the recommendations meeting. This gives them the chance to run through the discretionary fund management offering and detail how they propose to invest funds.

Once our recommendations have been implemented, we would be looking to meet again to ensure you are fully ‘au fait’ with what you have and what to expect. Regular meetings for serviced clients thereafter ensure you keep on track and are totally aware of how things are going.