If you want a planner who will work to understand what’s truly important to you, and then build a suitable plan, we could be the partner for you.

If you see the importance of creating a financial plan to support the delivery of your goals, you could be the right client for us.

But, there are some people for whom our service isn’t right. Please don’t consider us if:

  • If you are looking for someone to predict the stock market, or funds for you to invest in. We believe that markets are efficient; stock and fund picking is essentially down to luck, plus we don’t have a crystal ball!
  • If you don’t want to be challenged. Our process produces robust financial plans, which will help you achieve your life goals. But, these can’t be put together without some challenging questions being asked and potentially tricky subjects dealt with.
  • We can’t predict the future, nor can anyone else. We believe that the only time to invest is when you have the money, and the time to come out of the market is when you need the money. If you are looking for someone who believes they can time the market, we are not the partner for you.
  • If you’re looking for someone to sell you a product, for example an Annuity. We are planners, we want to help you plan your future, we won’t simply sell you a financial product, which isn’t part of a plan.
  • We won’t simply sign off an existing decision you have made, without making sure it’s in your best interest and part of a long-term plan designed to deliver your life goals. If we don’t believe it’s in your interest, we won’t do it.
  • Set false expectations simply because it avoids a difficult conversation.