Here’s what happens next

There are some important documents that you’ll want to download that explain our Terms of Engagement and how we process your personal information.

There is no charge for the initial review meeting and if anything is likely to cost anything at any stage we will tell you in advance. We don’t sell your private information to third parties and we will only pass information to third parties with your consent – for example if we are obtaining illustrations on your behalf.

ToE – February 2024

The meeting is scheduled for an hour and you will need to complete a financial questionnaire before your meeting. If the questionnaire isn’t completed beforehand it will reduce the available time to answer your questions. Please save this questionnaire to your desktop before completing it – it can be completed in Adobe Reader or any PDF reader.

If your finances are joint with a spouse or partner then information for both parties should be completed.

Financial Questionnaire (No RPQ) 01 11 20

You will receive reminders by text and email, if you are unable to attend the meeting please let us know as soon as possible.

Whilst there is no cost for our initial meeting, if you fail to attend or give less than 48 hours notice of a cancellation we reserve the right to charge you £150 for the time that could have been allocated to another client.

Frequently Asked Questions

Please complete the Financial Questionnaire before the meeting. It will provide you with a useful snapshot of where you are now and will form the basis of any advice or guidance we give you. From a regulatory perspective, we need to collect this information before we can give you any guidance or advice.

If the questionnaire is not completed before the meeting, it’s likely that around half of the allocated time will likely go towards completing the questionnaire rather than your answering questions.

We will ask you to send us a copy of the questionnaire before our meeting to help us prepare and highlight any other issues that we may have noticed. It will be helpful having copies of savings, investment, pension and mortgage paperwork close to hand.

At the start of the meeting, we will ask you if you have any specific questions that you would like to discuss.

Having completed the Financial Questionnaire, we will be able to highlight areas that you might need to address that you might not be aware of.

We will then be able to answer any answer your questions, address the other matters raise and agree the next steps.

This will depend on your situation.

It might be that there is not much for you to do at this stage or that you would not benefit from our intervention – If this is the case, we’ll tell you.

If there is a point in the future that you will benefit from advice we will tell you when that will likely be and the likely costs. You are free to contact us again at that point or we can arrange to get in touch at that time.

It might be there are actions that you need to make now. If this is the case, we will arrange a follow up meeting in a couple of weeks and we may need to write to some of the companies that are looking after your existing plans for more information before writing any reports or making formal recommendations.

If there are costs involved for doing this, we will be able to tell you how much this will be and will have agreed this with you before hand.

Until we know more about the scope of the work, we can’t tell you what the costs will be – Our Terms of Engagement document gives and illustration of possible charges.

However, you can rest assured that there won’t be any unpleasant surprises – by the end of the initial meeting we will be able to give you an idea of any likely costs as well as the potential benefits.

If you can’t make the meeting, that’s not a problem – Please let us know as soon as possible and we can reschedule to a new time or cancel the meeting.

If you fail to attend or give less than 48 hours notice of a cancellation we reserve the right to charge you £150 for the time that could have been allocated to another client.