Working with us
How we advise
Financial advice for pensions, protection, and household planning works best when both sides know the stages. Here is the rhythm we use for consultations in England — so you know what happens before any fee is agreed.
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1
Introductory call
A complimentary twenty-minute conversation to hear what has changed — a retirement window, pension clutter, or a protection gap after remortgaging. We confirm whether regulated advice is needed or whether a signpost to free guidance services would serve you better.
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2
Engagement letter & fees
If we proceed, you receive a clear letter stating the consultation type, fee, what documents we need, and what sits outside scope. No work begins until you accept in writing.
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3
Fact-find
We gather income, outgoings, pensions, investments, debts, and dependants. Incomplete statements are chased before recommendations — we would rather wait a week than guess at a guarantee.
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4
Recommendations meeting
Options are presented in everyday language: contribution changes, consolidation trade-offs, cover amounts, or cashflow sequencing. You leave knowing which actions are urgent for the tax year and which can wait.
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5
Written plan & follow-up
You receive a documented plan. A follow-up call within the agreed window answers implementation questions. Ongoing reviews are available separately — they are never bundled as a surprise subscription.
What we ask of you
Honest figures for spending and debt, copies of pension and policy documents, and enough time in meetings to talk through trade-offs. Advice quality depends on the picture you share.
What we will not do
Pressure you into products, claim guaranteed investment returns, or continue an engagement that sits outside our permissions. Where specialist tax or legal work is needed, we refer rather than stretch.
Ready to see if a consultation fits?
Book an introductory call