Your Financial Book

Working with you, we help you to articulate the major financial goals in your life and understand what you need to do to achieve them.

We start by collating all the critical documents and information and fully assessing your current financial situation. We call this a Financial Audit.

What does a Financial Audit include?

• A net worth statement, with the value of all your assets and liabilities

• Inheritance tax expectations

• Income and expenditure analysis, taking into account the current and anticipated cost of your lifestyle

• A schedule and analysis of all your plans and policies

• Risk management assessment

We produce a detailed analysis and project the facts into the future, given various key assumptions. We look at how to achieve your goals and objectives using your existing provisions and plans. By ‘pressure testing’ their robustness, we aim to provide you with reassurance as well as other options to consider.

For most clients, the preparation of The Financial Audit and Financial Plan marks the start of a long partnership between us. Our aim is to help you define the routes you need to build on the provisions, plans and assets you have already acquired.

We will discuss our findings with you, help you consider your options, provide independent financial advice and agree a detailed course of action.

Your Financial Audit and Financial Plan is documented within your Financial Book. This is a fee based service and we agree the costs with you in advance.