How We Work

We have a goals-based approach where we review your entire situation, and then develop a personalised plan to enable you to meet your objectives.

1 Establish goals and collect all your financial information

2 Analyse your current situation including attitude to risk

3 Develop a financial plan including lifelong cashflow analysis

4 Implement recommendations

5 Review and monitor on an ongoing basis

Investment Philosophy

Our aim is to help you achieve good long-term results from your investments, based on some key principles:

Risk & return are related – we analyse your tolerance for risk and make recommendations based upon which risks offer consistently higher expected returns and which do not, and then offer you exposure to those risks in a structured, disciplined and cost-effective way.
Diversification is essential – it is important to spread your investment risk around
We make extensive use of passive and index-linked funds which typically have lower charges and can be used to gain exposure to different asset classes and geographical regions
We phase investment wherever possible to reduce the impact of any negative market timing.

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Pricing Structure

Your first meeting is always free and without any obligation.

Financial Plan – A fixed fee which includes a comprehensive review of your current situation and recommendations for how to meet your goals
Implementation (optional) – A fixed fee for the implementation of our recommendations
Ongoing Advice (optional) – A percentage-based fee, typically around 0.50% of invested assets under management
Fees are always agreed before work commences and confirmed in writing.
We are committed to a fair and transparent fee structure.

Our Services

Pensions

Retirement is different for everyone.

Investments

Successfully investing for our clients for over 20 years.

Estate Planning

Protect your wealth for future generations.

Tax

Tax is a complicated area of personal finance.

Paul is very approachable, clear, enthusiastic and well informed. He takes care to adjust the level of his advice to his client and to their changing needs. Transactions are effected promptly and carefully

SD Retired Director

I was recommended The Financial Planning Practice by a friend and have now been receiving advice from them for over 20 years, I have in turn recommended them to close friends who I know are wholly satisfied with the service they receive.

Paul has been our financial advisor for the last 15 years, and has always been extremely responsive, attentive and professional.

Meticulous in planning advice and attention to detail - Paul takes a comprehensive overview of aspects of financial planning and takes a long term view. He has spotted several potential issues which could have resulted in a loss.

MR University Dean

Paul provides excellent advice across a range of products with an emphasis on long-term planning and minimising cost. He has a broad knowledge and is agnostic as to who the provider is - he looks for the best product or service for the customer.

AB CEO

© The Financial Planning Practice 2020. The Financial Planning Practice is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 186705. The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

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