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Bristol & Bath Science Park, Dirac Crescent, Emersons Green, Bristol, BS16 7FR

How we do things

Financial Advice doesn't need to cost the earth. We focus on the essentials, no fancy lunches, no flash cars and no meetings on the Golf course. Working with us could save you enough in fees to retire a couple of years earlier. Dependable advice, delivered by humans, driven by technology.

The 4 stages of financial planning

01

Discovery

This meeting is held at our cost. Depending on how much we talk it is likely to last between 30 minutes and 1 hour. This is a two-way process, where we both find out about the other. By the end we should have the answers to some important questions:

  • Why do you think you need a financial planner?
  • Do you actually need one?
  • What are you looking to achieve?
  • What’s going to stop you?
  • And most importantly, do we get on?
02

X-ray

We gather hard facts on your whole financial situation, income, expenditure and assets and combine this with softer stuff, like financial goals, retirement plans and how you want to help your kids.

During a second meeting we look at the results, and you’ll get a one-page plan covering the 4 major areas:

  1. What happens if you die? (protection/estate planning)
  2. Are you on track to meet your short-term goals (school/university fees/debt repayment)?
  3. Are you on track to meet your long-term goals (retirement)?
  4. Are you missing anything (tax allowances)?
03

Diagnosis

It may be the case that you get a completely clean bill of health from the X-ray. But, if there are areas which need action, we will make recommendations for improvement.

This could be pensions, investments (such as ISAs), insurance to ensure your loved ones are looked after, or changes to your current investment strategy so it is better aligned to your circumstances.

04

Maintenance

The minute you walk out of our meeting your plan is out of date. Circumstances change: yours, the financial markets, the economy and tax legislation. That’s why it’s important to review your plan regularly.

Pricing

X-ray – £695

Diagnosis

Simple


One of the following

  • Setting up a single pension or ISA
  • Protection review and setting up single or multiple new plans
  • Reviewing a single pension with no safeguarded benefits
  • Reviewing single ISA or other investment
  • Setting up an annuity
£1,200
Diagnosis

Complex


 

  • Reviewing multiple pension policies
  • Reviewing multiple ISAs or other investments
  • Setting up new pension or investments for a couple
  • Making recommendations for income in retirement i.e. income drawdown.
£1,800
Maintenance

Simple


  • Income under £100,000 p.a.
  • No Capital Gains Tax liability
  • Fewer than three investment wrappers
  • Estate of under £500,000 single or £1m jointly or under the age of 75
£100 per month / £1,200 per year
Maintenance

Complex


  • Taking income drawdown from a retirement account
  • A portfolio which could be liable for Capital Gains Tax
  • More than two investment wrappers e.g. ISA, pension plus one other
  • Income of £100,000 p.a. or greater
  • Estate greater than £500,000 single/£1m jointly or over age 75
£150 per month / £1,800 per year

Don't just take our word for it

Testimonials

Ian and I have worked together for the last 3 years, His advice has always been honest even if it hasn’t always been what I’ve wanted to hear, He is reliable and responds to my queries quickly. I trust him, and that is why I wouldn’t hesitate to recommend him to others

John – Business Owner

Ian and I have worked together since 2012, When we first met I was toying with the idea of retiring but had doubts about whether I could afford it. Ian produced a cash flow forecast which analysed my expenditure and income needs. It gave me the peace of mind needed to stop work and I haven't looked back.

Clive – Musician

Book a meeting with us

To find out whether we're right for you (and whether you need a financial planner at all) book your meeting now. The first chat is always on the house.

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Book a meeting

The best way to get to know us is a face to face meeting. That sounds very formal but trust us when we say that it isn't!

It's a relaxed conversation about you, your life and your goals. There’s no pressure, in fact we never let you make a decision there and then. We’ll always send you away to sleep on it.

Please note, when booking a meeting we will ask for your name and email address. We will only use this information to confirm the meeting and location. We guarantee it will never be passed to a third party.