Discover and Plan is where we create your own tailored ethical investing roadmap to meet your individual needs.
Firstly, we will help you create a financial roadmap. This is a written document detailing your financial goals, timeframes to achieve your goals, what is required and what impact these have on your overall asset position going into the future. We will work as your partners in financial wellbeing, taking the time to listen and understand what’s important to you and what you want to achieve.
Having a financial roadmap is important. Evidence shows people are far more likely to succeed when they construct a well thought out plan and engage with an adviser to help keep them on track.
Who we help
We help a range of different people reach their financial goals:
I recently received a cash lump sum
I am close to retirement – when can I make work optional?
I want to invest my surplus income
I’m already retired – will my money last?
I’m new to investing
I want my savings to last
Above all – I want to invest ethically
The stages of our discover and plan process
Here’s our simple approach:
This no-obligation initial consultation is to understand your requirements and establish if we can add value to your financial situation. It also allows you to see if we are the right fit for you. If it makes sense for you and us to continue the conversation, we’ll confirm financial and other details, establish the level and extent of your situation and needs, and provide an estimate of fees.
Where we get to know you, what’s important to you, who’s important to you, your goals, dreams, financial position, objectives and needs, values, previous experience of investing, comfort around risk and returns of investing etc. In most cases, this will include detailed modelling of likely outcomes, based on your goals, preferences and comfort with risk and volatility.
We present our recommendations to you. We talk about your current situation, values and ethical preferences, goals and objectives, cashflow modelling and the recommended sustainable investment portfolio to meet these goals and objectives. This can involve multiple portfolios i.e. a lower risk strategy for clients’ income requirements/shorter term objectives, medium risk portfolio for funds set aside for gifting to children and more aggressive portfolio for future legacy to children/grandchildren.
If you do decide to engage us, we would charge a one-off fee for the preparation of a financial/investment plan. Our fee will be confirmed and quoted when we know the nature and scope of our engagement.