The Planning Zone

Welcome to our Planning Zone, it will help you prepare for and get the most out of your consultation. It may be that you have a partner with whom you share your finances, our experience shows that partners should be present to ensure you both get the maximum benefit from the meeting.

Any prior preparation will be invaluable as this allows your meeting to focus on the issues to be discussed rather than having to locate documents and information.

You can obtain copies of the brochures previously received here

It will greatly assist the consultation if you could have to hand the following:

• Gross and Net income (a recent payslip will suffice)
• Current monthly expenditure Click here to use our planner
• Monthly lifestyle expenditure in retirement Click here to use our planner
• Any planned capital expenditure Click here to use our planner
• National Insurance number

Details of:

• Life insurance and protection policies
• Savings and investments
• Pension arrangements Click here to obtain a state pension forecast
• Mortgages (including type and duration) Personal loans and credit card balances
• Your parents situation (if to be discussed)
• A copy of your current Will

Should you wish to print this off as a checklist click here

Whilst it is not mandatory, you may wish to print and spend some time completing our Short Financial Questionnaire. This has been designed to help you provide an overview of your current financial situation and will allow more time to be spent discussing your financial plan. Do not worry if you cannot fully complete the form as any information provided will be of assistance.

Creating your financial plan and providing ongoing service involves 5 separate stages, an overview of these is provided below.

This will allow your adviser to establish your current financial position, identify your objectives and answer any questions.

You will also have the opportunity to subscribe to our free e newsletter. This will ensure that you are kept informed of the financial issues which are relevant to you. This can be difficult and time consuming so we have created a service which will do it for you.

If we can be of assistance to you at this stage and should you wish to proceed, your adviser will discuss which areas need to be addressed and the recommendations to be included within your report.

Should it be necessary to obtain information in relation to your existing investments and policies your adviser will, after obtaining your signed authority be able to do this for you.

Your adviser will conduct the appropriate research and obtain any relevant illustrations and documentation. A report request will then be submitted to our in house paraplanning team.

Once the report has been prepared, checked and signed by your adviser it will be sent to you in advance of your second meeting.

It is likely that your financial plan will involve specialists within our Estate Planning Mortgage Annuity and Healthcare departments. Your adviser will, where appropriate ensure that any necessary referrals are made. Should you wish to make contact beforehand or simply find out more about what is involved simply click on the relevant heading.

Your consultant will revisit your agreed objectives from the initial meeting and discuss the contents of your report. At this stage the necessary arrangements can be made to put any agreed recommendations in place.

Prior to leaving this meeting a future contact date should be agreed between you and your adviser.

Your adviser will pass your file through to our administration team who will ensure that all application forms are checked, recorded onto our client management system and sent to the relevant providers. They will then liaise with your adviser to ensure that the process goes smoothly and your policy documents arrive safely.

A review of your situation will take place in line with any dates agreed during your second meeting. Obviously should the need arise beforehand then you should contact your adviser.