how we work
Find out how we’ll get you from where you are now to where you want to be with our six-stage process.
step 1
Introductions
Our first meeting together is an opportunity for us to get to know each other a little better. You’ll be able to tell us what your needs are, what you’re concerned about, and what you want to achieve in the short, medium and long term. It will also be your chance to find out a bit more about us, how we work and what our fees are. Because we believe it’s very important you have a chance to see if we’re the right fit for you before you pay anything, this meeting is always at our expense, with no obligation to proceed any further.
step 2
Discovery
If you choose to continue working with us, we’ll book a meeting to look at your needs and aspirations in more detail. Sometimes our clients already have a clear idea what they want their future to look like before they come to us. In other cases, our clients are looking for help establishing their aims. Whatever your starting point, at the end of this meeting we will have agreed your targets and have gained a clear understanding of your current assets, liabilities, expenditure, and income.
If you wish to proceed, we’ll ask you to sign a client agreement where we will outline the work we will do on your behalf, what you can expect from us, and the fees you will need to pay for that work.
step 3
Research and analysis
The next stage involves a period of thorough research and analysis on our part. Using the financial information you have given us, we will build up a picture of how close you are to achieving your aims and where you may be currently missing opportunities to maximise your wealth or better protect and preserve your assets.
step 4
Your Financial Plan
This is where we start to plot out your route to your goals. Your Financial Plan will be developed just for you. It may include a range of different options for you to consider, including options you wanted us to explore alongside alternatives we’ve developed based on our knowledge of what might work well for you. We’ll show you the financial impact of different scenarios and show you how to avoid possible challenges and pitfalls along the way. You will, of course, have plenty of time to ask questions before you decide which steps and actions you want to take.
step 5
Implementation
If you choose to move ahead with our recommendations, we can take care of the implementation of the plan on your behalf. Your plan may require just a few small tweaks to your existing arrangements, or it may necessitate larger, more complex changes. Our skilled team are highly experienced at removing the hassle and achieving changes to policies, plans and accounts swiftly and with the utmost professionalism and discretion.
step 6
Ongoing financial planning reviews
The making of a plan is, in many ways, only the first step on the journey to achieving your goals. There may be obstacles that need to be overcome further down the road caused by changes to the economic landscape, changes in your personal or family circumstances, or changes to your aspirations. While our ongoing financial planning review service is entirely optional, the vast majority of our clients choose to take advantage of our longer-term support and appreciate the peace of mind and ongoing suitability that having a Chartered Financial Planner alongside, can bring.
Our annual review meetings will give you a chance to look at how well things are working for you and the progress of your investments. Together, we will review your arrangements to ensure we’re continuing to maximise all available tax planning and investment management opportunities. It also allows us to keep you advised on how any changes in legislation will impact your goals and what we can do to improve your outcomes.
Just as importantly, we remain available to answer your questions whenever you need us.
What our clients say...
What our clients say...
Andrew has been my financial adviser for nearly 20 years, and I cannot be more positive about the quality of his advice and his service. He has provided us with tailored and flexible financial planning which has allowed me and my family to enjoy financial certainty and security; education for our son; help moving house, and; retirement planning. He has always been proactive in his approach and incredibly responsive whenever I have sought his advice.
GG
client since 2002
Andrew was referred to me by my solicitors after my divorce. From the beginning, Andrew offered a quality and approachable experience, helping with the pension share that was awarded in my divorce settlement. Andrew was very thorough and always explained things in a way I could understand. I couldn't recommend his service and friendly approach enough. Thank you for helping me out at a tough time.
TF
client since 2019
Andrew and his team have looked after my pension and investments now for many years. I have always received prompt and efficient service as well as straight forward, easy-to-understand advice. They now look after my parents’ investments, and I have been happy to recommend their services to many friends and clients. A breath of fresh air when dealing with such a complicated subject.
SM
client since 2009
Andrew Holliday and his team have been so supportive since the death of my partner. They have helped me through every step of managing his financial affairs. Andrew has been easily and readily available to discuss everything with a huge amount of patience and understanding. My daughters and I were able to contact Andrew at any stage and they were individually advised on the ways to invest their inheritance that best suited their present and future needs. They – and I – are hugely grateful for Andrew and his team's dedication in helping us through this financial maze and putting our minds at ease during a difficult time.
AB
client since 2001
Andy, I must thank you for the help you have given me with my investments over the last 12 years. You have done exactly as I asked on the risk side of things and I appreciate the care you have taken in watching over the individual investments. As a result, I have a good return each year which is very reassuring. I particularly appreciate your prompt replies when I contact you with queries. You have never failed to give immediate help. And always in person! No website-only access with no person to speak to. A truly personal service.
SM
Andy Holliday has been mine and my late husband’s Financial Advisor for more than 15 years. Andy helped us in many ways over the years, with investments and savings, annuities and drawdown, retirement income, pensions, Inheritance Tax, often above and beyond the remit of a Financial Advisor. He listened carefully to our needs and provided guidance in a concise easy-to-understand manner. Sadly, my husband died in 2020 and a new chapter began, in which I was now responsible for our financial situation. To say I found the whole thing overwhelming would be an understatement, but Andy was by my side every step of the way. Nothing was too much trouble. I cannot recommend Andy and his team highly enough.
ST
client since 2005
Andrew has been looking after my financial affairs since 2002. Both investments and pensions. He is very approachable and explains everything in a language I can understand. I am more than happy with the results and Andrew has explained exactly what I should expect when I retire. Which will be very soon. Never over egging things. Andrew has also arranged pensions for my business, in his normal non dramatic fashion. He was most helpful in sorting out my wife’s finances when she passed. Taking that worry away from me. I have been able to pass everything over to Andrew and he just gets on with it. Achieving results which I am very pleased with. I would highly recommend, a nice person as well.
JB
client since 2002
Over the last 15 years or so, Andrew has provided sound, clear information for me to make informed choices about investments and future retirement planning.
DF
client since 2006
