Our client proposition is the product of considerable research, experience and client feedback. We offer a defined consulting process carefully designed to:

• Clearly establish your current situation, values and future goals.
  
  
• Evaluate how your financial resources can be best deployed to meet your requirements.
  
  
• Determine your tolerance to risk, including investment risk. Our risk profiling process starts with a detailed psychometric analysis before a discussion about the parameters of risk and return, and their application to real world investing.
  
  
• Provide a detailed financial plan including a 'lifetime cash flow analysis'. This analysis forms the central point in our planning process; it brings together the separate elements of your financial situation into one easily understandable resource, allowing an infinite number of 'what-if' scenarios to be considered. This planning technique clearly identifies whether you are on target to meet your financial objectives, and allows you to make judgements based upon sound quantitative financial planning and realistic assumptions, rather than the hope and guesswork so often employed in the financial services industry. This process is dependent on clear identification of your objectives and goals at outset. It is for this reason that this stage in the planning process is the most time-consuming. This is the one area over which we can exert the most influence, unlike future economic conditions and investment returns, which no-one can predict.
  
  
• Where necessary, implement any agreed recommendations utilising best of breed products or structures selected from across the whole marketplace.
  
  
• We create bespoke solutions for each client, but generally these include, retirement planning, estate planning, tax mitigation including inheritance tax (IHT) planning, risk management and investment management.
  
  
• Implement any investments using our highly defined and robust investment structure, which combines Nobel Prize winning academic theories, empirical research, trading efficiency and asset allocation modelling all tailored to modern capital markets.
  
  
• Meet regularly to review any major changes in your personal or financial situation and determine if these changes necessitate adjustments to your financial plan. We will also review your overall progress towards your long-term financial goals and review the performance of your portfolio over the previous reporting period. Over time, as your situation and priorities change, we can vary your financial and investment plan to accommodate these changes. Financial planning is not a one-off exercise; it should constantly evolve as your life changes.

Most clients find our in-depth consultative process both eye-opening and liberating, as for the first time they can clearly articulate their financial goals and understand to what extent they are achievable.