Financial Planning

Our approach is rooted in a deep understanding of the family, wealth management and related matters, made up of the following stages:

DISCOVERY
WHO ARE YOU AND WHAT DO YOU WANT?
Successful financial planning starts with your life and ends with your money. The more we understand what matters to you and your loved ones, the better our work and the more we will do for you.

We do this by identifying what it is you wish to achieve in your life. Who are you? What gives your life meaning and purpose? What’s your ideal future? It’s only when we truly know who you are, that we can decide the best approach for you and your family.

AUDIT & REVIEW
WHERE ARE YOU NOW?
With a better understanding of the future you desire, our job is to build a picture of the financial position we are working with. We’ll identify the resources at your disposal both now and in the future, conduct a comprehensive review of your wealth, and decide whether these remain suitable for you.

We’ll also look at attaching a cost to your current life and the future lifestyle you aspire to, as well as the level of risk you are willing to take to get there.

PLAN & MODEL
WHAT MIGHT BE ACHIEVABLE?
We’ll then put together a detailed analysis of your current position and may use lifetime cashflow modelling software where suitable, to help you understand your financial future. The software will provide you with a clear visual picture of your current financial position and what your financial future might look like if things stay as they are, and how it might look if action is taken.

At this stage, we’ll help to answer many of life’s questions. What if I retired early? To what extent can we help our children onto the property ladder? What lifestyle can I enjoy and make sure I never run out of money?

Every situation is unique. Some clients come to us and tell us they’re not saving enough, while others learn that they are not spending enough.

ACTION & IMPLEMENTATION
IMPLEMENTING THE PLAN
At this stage, we will agree the best plan to make sure that your current and future financial resources are devoted to your life’s goals and objectives.

We’ll then put together the most appropriate suite of financial products and tax/investment vehicles to achieve your objectives in the most efficient manner. Whilst we see these products as a vital means to an end, we think it’s important that we have independent, ‘whole of the market’ access. This makes all the difference in the recommendations we provide to you.

STRATEGIC MAINTENANCE
KEEPING ON TRACK
Life has many twists and turns so it’s important that we regularly monitor your plan and change course if we need to. We’ll meet with you twice a year to make sure that the plan remains appropriate.

We’ll send you valuation reports to keep you updated of your financial position, and will let you know if anything needs changing.

COMMUNITY
COMING TOGETHER
Our clients mean much more to us than the money we look after for them. They become part of the Stanbridge family – a collection of varied and interesting individuals and families.

During the year, we’ll invite you to various events that we organise for the sole benefit of you and your families.