Discovery call
A short conversation to confirm your question fits our authorisations and capacity. We will say early if you need a mortgage specialist, later-life lender, or solicitor instead of — or alongside — investment advice.
Document list & fee letter
You receive a fee proposal and a checklist: pension statements, ISA valuations, mortgage balances, and a month of typical spending. Work does not start until the fee letter is accepted.
Fact-find meeting
In Wunsch-upon-Jacobi or by video, we walk through goals, dependents, health considerations that affect planning horizons, and how you have reacted to past market falls.
Analysis
We model cash-flow, charges, and wrapper choices. For retirement cases this includes drawdown sequencing; for directors it includes contribution levels against company cash buffers.
Recommendations & follow-up
You receive a written advice letter. A follow-up meeting sits inside flagship retirement engagements within ninety days. Implementation with providers is guided, not rushed.
What to bring to your first meeting
- Latest pension and ISA statements
- P60 or recent payslips
- Outline of essential monthly outgoings
- Details of life cover or income protection already held
Ready to begin?
Browse consultations to choose a starting engagement, or go straight to the enquiry form if you already know which conversation you need.