Let's work together
Realising your dreams could be more possible than you think. With a personalised financial plan, and regular check-ins to make sure you’re on course, we aim to support you to make the most of your money. So, whatever stage of life you’re at, we’re here to help.
Developing your personalised plan: How we work with you
STEP 1
Your free initial consultation
Getting to know you is key
An adviser will get to know you as well as your hopes and dreams for the future.
There's no need to fill in any lengthy paperwork ahead of the initial consultation.
Your initial consultation will be designed around you. We can meet via the telephone or video conferencing. Just let us know what works best for you.
STEP 2
Your financial planning appointment
Understanding where you are
After your initial consultation, you’ll be invited to your financial planning appointment. This will take between 60 and 90 minutes and will be an opportunity for your adviser to gain a deeper understanding of your finances.
For your adviser to fully assess your financial situation, we ask that you bring any relevant paperwork with you. We’ll tell you more about this ahead of your financial planning appointment.
Your adviser will help explain what can often be complex financial terminology in a clear, visual format. We’ll also be able to play out different scenarios that can help you understand the options available to you.
STEP 3
Presentation of your financial recommendations
Setting your goals
Following your financial planning appointment, your adviser will analyse the information you provided and begin preparing product and service recommendations for you.
When your personalised financial plan is ready, your adviser will provide details of the specific products and solutions recommended, their benefits to you, together with any associated risks.
The presentation of your financial plan and recommendations will take around 60 minutes. If needed, your adviser will be joined by other experts such as trust or investment specialists.
There are no hidden costs. You'll only start to pay if you choose to go ahead with our recommendations from your personalised financial plan.
Step 4
Putting your plan into action
The fuel for your rocket
When you’re happy with your personalised financial plan we can start putting it into action.
Your adviser will now explain the fees and charges for the products and services they have recommended.
You’ll also be given account and log-in details for the Wealth Portal. This is a secure on-line account where you can view up-to-date details of all your investments, including performance and valuations.
Through regular check-ins, we’ll review whether your financial plan is still on course to reach your goals. After all, money is simply the fuel for your rocket to take you to where you want to be.
Let's start with a free initial consultation
We'll begin with a free, no obligation conversation to understand if our service is right for you. There are no hidden fees or charges, and you’ll only pay if you choose to go ahead with the recommendations in your personalised financial plan.
Frequently asked questions
How long will my consultation last?
Your free initial consultation will last between 15 and 30 minutes.
This is followed up with your financial planning appointment. We recommend you set aside about 90 minutes for this. If your situation is complex it might take longer than this for your adviser to capture all the information needed to prepare a comprehensive financial plan.
Once your adviser has prepared your personalised financial plan, they will present their recommendations which will take around an hour.
Can I call my adviser if I remember something that I forgot to tell them?
Absolutely. You can call or email them if you feel there is something you didn't cover in the consultation. Email is not a secure method of communication, so please do not include personal information in any emails you send to us.
You say the initial consultation is free: how much will I have to pay for any subsequent meetings?
Not only is your initial consultation free, but your financial planning appointment and the presentation of your financial plan and recommendations are provided with no financial commitment from you.
There are no hidden fees and charges. You'll only start to pay if you choose to go ahead with our recommendations from your personalised financial plan.
Your adviser will explain the costs and charges of the products and services you choose before they’re incurred. You can then make an informed choice about which services you take. Read more information about our pricing.
Do your advisers earn commission on the products and services they recommend?
Our advisers are salaried employees and earn no commissions from their recommended services, products or solutions. Instead they are assessed on the quality of the advice given. Not the quantity of products sold.
This means they’re only interested in suggesting the best strategies for your personal goals, and which offer clear and obvious benefits to you.
Will my investments be covered by the Financial Services Compensation Scheme (FSCS)?
Most types of investments are covered by the scheme up to the current limit of £85,000. Please refer to your terms and conditions for more information on the FSCS limits which apply to the service or products you have. More details can be found on the FSCS website at: https://www.fscs.org.uk/what-we-cover/investments/
Will Lloyds Bank and Bank of Scotland still provide day-to-day banking for its customers?
Yes. Our Personal Wealth Advisers are focused on long-term financial planning. Lloyds Banking Group can provide banking and lending solutions, including mortgages.