As Fiduciary Financial Planners, we show you what life could look like.
The distance between where you are and where you want to be may feel vast. We provide you with clarity, starting with the end in mind and working backwards. Your goals may feel immeasurably far away, but we have the means to show you the best route to the outcomes you’re after.
Here’s how our process works, discover more by hovering over the purple titles:
All journeys start with the first step, that means you getting in touch with us by calling our office on 01225 775923 or by emailing firstname.lastname@example.org. We will then have an initial chat about your needs and how we work. If we think we might be the right financial planner for you we will arrange for you to come in to the office to move to the Discovery part of the process.
At the outset, we meet with prospective clients in person for a Discovery meeting. The Discovery meeting is held at our expense and is used to build a picture of your ‘Ideal Lifestyle’.
This isn't a sales meeting. The whole purpose of this meeting is to understand where you are today and where you're trying to get to.
At the end of the Discovery meeting, if we feel it’s appropriate, we will invite you to the Collaboration meeting. If we don't believe we can be of service, we will refer you to somebody who we think will be a better match.
At the Collaboration meeting, we take a deeper dive into your financial position and present a high-level plan of action for achieving your ‘Ideal Lifestyle’. We do this using sophisticated cashflow modelling software and our timeline app, which clearly maps out your financial future.
During the meeting, we create several 'what-if' scenarios. We’ll stress test your financial plan to make sure that it's robust, providing you with the financial peace of mind you deserve.
In this session, we will work together to answer your most challenging questions, such as:
- Are my family's finances secure?
- When can I afford to retire?
- How do I make sure I don't run short of money in retirement?
- How can I ensure my partner/spouse is taken care of should I pass away first?
- How will I cope with a significant market downturn?
- How can I fund my elderly parents’ long-term care needs?
Implementation is where we work together to bridge the gap between concept and action.
Without effective implementation, a plan is just a wish. Many of our clients don't have the time to implement their plans, so we do it for you.
We do a lot of the 'heavy lifting' on your behalf, coordinating with other professionals where necessary to put your plan into action.
Following the Collaboration meeting, you will receive a comprehensive financial plan that's designed to get you OnTrack for achieving your Ideal Lifestyle.
Financial planning is a dynamic process: it's not something you do once and then forget about. OnTrack provides you with regular advice and coaching to make sure you stay on the right track for achieving and maintaining your Ideal Lifestyle.