How we work

Our team of trusted financial advisers will help you make informed choices about financial strategies for you and your family.

  • Initial Consultation

    Initial Consultation Agreeing the basics

    For successful financial planning knowing where you are now is as important as understanding where you want to be. Our first meeting will help to develop a clear picture of your current position and circumstances. We think it’s important to take some time to understand your feelings towards your finances, your views on risk, your objectives and your lifestyle. This is broad and fairly general and an overview that sets the scene.

    The purpose behind our initial consultation, which may not be face to face, is:

    1. To explain what we do
    2. To identify your financial needs and objectives
    3. To establish what benefits would result from you using our services
    4. To give you an opportunity to appoint us
    5. To establish what you will have to pay us for our advisory services. Once agreed this will be formally recorded in writing before work is undertaken on your behalf.
  • Fact Finding

    Fact Finding Gather information

    Capturing 'hard data' follows. It's a financial survey to check the foundations are in place so that we can start building your financial strategies. This could involve a specific review of particular issues you feel require attention or could involve a complete overview of your entire financial situation. Any or all of the following could form part of our review service:

    • Investment ReviewAn objective assessment of your risk tolerance and complete review of existing investments held, including the interest rates applicable on cash deposits.
    • Pensions & Retirement PlanningA review of existing pension arrangements, guidance on generating income in retirement, including flexible retirement accounts as well as various types of annuities.
    • Protection ReviewAn assessment of any life, serious illness or health protection policies in place, the level of cover provided and any identified shortfalls
    • Estate planning reviewA review and assessment of the impact of Inheritance Tax on your estate and possible solutions to mitigate this.
    • Lifestyle Financial PlanningCreation and implementation of strategies, may include repayment of borrowing, saving for education fees or other investment/planning goals.
    • Mortgage ReviewA review and explanation of the mortgage you have and an assessment of whether it meets your current objectives in the best possible way.
  • Research and Analysis

    Research & Analysis Using our expertise

    This stage of the process tends to be carried out back at our offices. Using the information gained from our review process we analyse all existing arrangements, their appropriateness using industry related technology, contact insurance companies to get up-to-date valuations and identify any gaps you may have in your financial arrangements. This may include involving specialist advisers from within the Blueprint group.

    Your financial situation is unique. Nobody else saves, spends and invests like you do. Therefore the Advisor will create a bespoke financial plan identifying the most suitable strategies and recommendations to help bridge any gaps, ensuring your priorities, attitude to investment risk, the duration of the plan and budgets are taken into consideration.

  • Recommendations & Implementation

    Recommendations & ImplementationAgree a plan, arrange products & related actions

    RecommendationsWhen the financial plan is ready, the we will arrange another meeting with you. This is an important step and will be key to you fully understanding the results of the analysis work that has been completed. We will present our report detailing the strategies and specific product solutions that are being recommended to support you in achieving your financial needs & objectives.

    Implementation - Our role extends to working with you to implement the recommendations enabling you to make the right decisions for you and your family or business. Once we have your agreement we will help instigate implementation of the agreed strategies, arranging investments or other products on your behalf, as required, and may extend to implementing a specific financial planning process, such as estate planning. We will act as the intermediary between the product provider(s) and you with a view to arranging the purchase of the products (including Retail Investment Products) as we have agreed.

    We will communicate with you during the process from submission to implementation.

    Your financial situation is unique. Nobody else saves, spends and invests like you do. Therefore the Advisor will create a bespoke financial plan identifying the most suitable strategies and recommendations to help bridge any gaps, ensuring your priorities, attitude to investment risk, the duration of the plan and budgets are taken into consideration.

  • Ongoing Relationship

    Ongoing Relationship Monitoring the progress of your strategies

    An on-going review service has always been integral to our business, as we believe that it can add significant value to both individuals and businesses. The purpose of this is to develop your strategies over time to take into account your changing circumstances and objectives as well as changes in economic conditions or legislation (taxation etc). It gives us the opportunity to give you access to new ideas and financial products. Elements of ongoing service can include the following:

    • Regular Review MeetingsTelephone and email access to an adviser, along with face-to-face meetings to review your affairs at pre-defined intervals. An assessment of your investments and pensions with an assessment of the individual funds held and guidance as to whether more suitable products / funds are available in the market.
    • Valuation ServiceUp to date valuations of all investments held.
    • Taxation Planning ServiceGuidance regarding minimalising your income and capital gains tax liabilities as well as how to restructure your holdings to mitigate the effects of inheritance tax on your estate.
    • Pensions ServiceAdvice regarding changing pension legislation and the opportunities and threats created by this.

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