The client journey

What you can expect

Everyone’s financial planning journey is as unique as their circumstance. While we can’t say for sure what yours will look like, here’s an insight into what you can usually expect from our process of working together.



Initial discussion

We start with a discovery meeting, which is all about getting to know you. We’ll understand more about your current financial situation and your goals for the future and assess how we’ll be able to help you achieve them. Feel free to bring your partner or another family member – we encourage your loved ones to get involved from the get-go. This meeting is held at our expense and can take place either face to face or via video call.



Research and analysis

If we agree to work together, we’ll go away and do our research. We’ll assess your current financial situation and any arrangements you already have in place and explore how they match up with your objectives. This is where cashflow modelling comes into play; we’ll use sophisticated technology to accurately forecast your lifetime cash flow and examine the impact of various scenarios. We then build our recommendations based on our findings.



Presenting the plan

We’ll meet again to present your bespoke financial plan, filled with our recommendations based on our in-depth research. This is the chance to talk through it in detail and get your thoughts. Your feedback is incredibly valuable, and we’ll never implement anything you’re not 100% sold on.




Once you’re happy with our recommendations, we’ll get them put in place, ensuring any investments made are in line with your attitude towards risk and reward. We’ll also handle all of the admin on your behalf, so you won’t have to worry about piles of paperwork.



Ongoing review services

It’s important that we review your financial plan and investments on a regular basis to make sure they still align with your situation and your goals. We’ll usually meet a minimum of once a year to review your situation and make any changes we need to. It’s also a nice chance for us to simply catch up!

Our fee philosophy

We think it’s really important for you to understand the way we work and the value we can add before you commit to any costs. That’s why we’ll always hold an initial consultation free of charge and ensure that all costs are discussed with you in full before you sign up for anything.

Hear from our clients

Don’t just take our word for it. Hear from some of the people we’ve helped with our advice.

Graeme provides advice with great clarity. Unused to the world of investments he was able to provide the right level of information in an easily understandable manner.

A client in Lanarkshire

Graeme excelled and I am very pleased with the position (financially) that I now find myself in. My deepest thanks go to Graeme and his team for their excellent service, and I look forward to their continued advice.

A client in Fife

By helping us take control of our pensions, Graeme gave us a reassuring back stop at a time when our jobs were uncertain. I wish I had met Graeme earlier!

A client in London

Graeme has the patience to listen, which gives him a good understanding of my situation and requirements. He makes me feel at ease during our meetings and gives me various investment options to consider. There is no hard sell or pushiness. He is trustworthy and truthful and has given me great peace of mind.

A client in Bedfordshire

Graeme was very professional and conducted an overall review before making recommendations which were followed up in writing. He is very good at his job, assesses situations well, is totally trustworthy, and can be relied upon to give good "non pushy" advice after full research.

A client in West Lothian

Graeme organised a financial seminar for NHS staff nearing retirement. I was impressed with his knowledge and presentation and there was no pressure to sign up.

A client in Lanarkshire

Graeme has a dedicated, systematic approach to our financial planning and we are very pleased with the positive results. We look forward to his regular visits to our home.

A client in Berwickshire

Graeme's welcome visits bring both me and my wife total confidence in his ability and he always leaves us believing that he is acting in our best interests.

A client in Renfrewshire

Graeme is very approachable and his financial advice is presented in a way that I can understand! I'm sure my situation isn't complex in the great world of finance, but he never makes me feel I am wasting his time.

A client in West Lothian

Fancy a chat?

Send us a message using our contact form to set up an initial conversation. All we need is a quick overview of your situation and we’ll be in touch.