Miss Douglas, Chichester
If you are looking for access to the whole marketplace, attention to detail, confidentiality and a professional and personal approach, then I have no hesitation in recommending Hamish and other members of his team as your one-stop financial support team.
Our process starts with getting to know you and your financial and lifestyle goals. As part of this process we assess your time horizon, your attitude to risk and your cash flow needs. We then assess your existing financial arrangements – salaries, pensions, business assets, savings and investments. We combine the two to form a long-term financial plan, which will outline, in plain English, the actions you need to take.
We can arrange the implementation of the plan, finding the right pension, ISA and investment structure, or explain how you can implement the plan yourself. We may also recommend that you remove your money from certain investments where they are underperforming. Our recommendations ensure that all of your investments are managed in the most tax-efficient and productive way. We have done extensive due diligence to select reliable partners who understand the needs of our clients as well as we do.
Once your plan is on track, we will then put in place a structured review process. This involves regular updates to check that your plan is still heading in the right direction and that your needs have not changed. We will automatically update your plan for any major life changes, such as the birth of a child, marriage, divorce or retirement.
We are a fee-based practice. That means that you pay a fee for the advice we provide. At the start of the advice process, we will provide you with a menu detailing our charges and services and the different ways you can pay (for example monthly or on presentation of an invoice). We will talk through these charges with you prior to any advice given so that you are in full control of what the financial advice will cost you.
We are independent-minded and clear thinking. Our approach for each client is bespoke, considering the broadest possible range of financial planning options to meet their needs and to adapt to different market environments.
We encourage an open dialogue with all our clients. We want to develop a clear understanding of your financial aspirations so we can build a plan that suits your exact requirements. We are always on the end of a phone and will respond speedily to emails. Ultimately we want you to feel part of your financial planning and to understand what we are doing for you.
Ours is a personal service: We keep our clients informed and we respond immediately to any questions they may have about their personal investments or the economic environment.