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Financial Planning

Professional Independent Financial Planning helps you achieve your lifetime goals whilst maintaining your desired lifestyle for both you and your loved ones.  By being in control of your life and your finances it enables you to do so without fear of ever running out of money, no matter what happens.  

Tangible benefits of financial planning include retiring years earlier than imagined, passing on estates to loved ones with a lower tax burden than was thought possible and managing long-term investment portfolios to help achieve financial freedom.

Leaf Financial Advisers Ltd. - Bristol Financial Planner

Financial Planning

The Financial Planning process involves taking a “big picture” look at where you currently are financially, identifying life goals and future plans and devising a long term strategy to achieve the lifestyle you want.  All in the most financial and tax efficient way possible.

Everyone’s financial goals will be different, although may include a secure retirement, a child’s education or the transfer of wealth to heirs.  Your values and unique situation will require a personalised financial planning process, specific to your own variables, such as your income, risk tolerance, commitments, and family. As such your financial plan will be bespoke to you and your unique situation.

In short, it is about creating a financial plan to help you realise and achieve your short, medium and long term financial goals.

How to find a financial adviser

Financial Planning

The Financial Planning process involves taking a “big picture” look at where you currently are financially, identifying life goals and future plans and devising a long term strategy to achieve the lifestyle you want.  All in the most financial and tax efficient way possible.

Financial Planning Tips

Everyone’s financial goals will be different, although may include a secure retirement, a child’s education or the transfer of wealth to heirs.  Your values and unique situation will require a personalised financial planning process, specific to your own variables, such as your income, risk tolerance, commitments, and family. As such your financial plan will be bespoke to you and your unique situation.

In short, it is about creating a financial plan to help you realise and achieve your short, medium and long term financial goals.

Get in Touch to See How We Can Help You

Give us a ring for a Free no obligation discussion on how we may be able to help you: 01173 823 823

Drop us a line with any query you may have and we'll make sure we get back to you as quick as we can: contact@leafifa.co.uk

Fill out our contact form and an adviser will call you back at a time that is convenient to you

Contact Form

How Can Leaf Financial Help You?

We are focused on providing a truly exceptional financial planning service; either as part of a long-term relationship or as a one-off interaction. 

We take the necessary time to fully understand you, your family and your personal objectives in order to formulate a comprehensive financial roadmap to ensure your financial wellbeing. 

We focus not just on your money, but on your lives.

In Depth Knowledge

We will use our in-depth knowledge of the financial industry and a set of financial tools and techniques to produce and implement a plan to help maximise your lifestyle while protecting against risks.  Your financial plan may use different types of investments, financial products, tax wrappers and pensions and may include a bespoke investment strategy designed to suit your individual circumstances

Plan For The Future

A key part of our service is using our forecasting tools and techniques to allow you to see how fast your wealth will grow, the impact of different spending levels and the size of any wealth that may be available to be passed down to family.

This visual, jargon free plan will allow you to not only clearly see the future but can help in any tax efficient planning, such as the use of trusts or other estate planning techniques.

Fully Regulated

With us on your side you’ll gain the protection of Regulated Advice.  Where we provide a regulated advice service we are responsible for the decisions we help you make.

Your adviser will also be Regulated and Authorised and be qualified by a Chartered financial body, ensuring they have quality training alongside their experience. 

Fair and Transparent Pricing

Our fees are transparent, straightforward and fair. 

We will make sure that we will only work with you if we can add value, making sure the benefits are more than any fees.

We think our pricing policy sets us apart – more can be found on our dedicated Pricing page.

Delivering Quality Convenient Advice

Personal & Flexible Advice

You will be assigned your own Personal Financial Adviser from the start to the end of your journey.  Someone to speak to face-to-face or on the phone if you have any questions or queries.  If you need an update, have a query or just want a chat; they will be there for you.

We offer flexible appointments, including evenings and weekends, not just 9 – 5. Because good advice fits around your schedule, not ours.

Simple English

Running through everything we do is a theme of elegant simplicity – we love taking complex financial situations and simplifying them for our clients so that they can enjoy a worry-free financial life.  We make sure we communicate in plain English, not Jargon!

Ways to get in touch

Fill out our contact form and an adviser will call you back at a time that is convenient to you

Give us a ring for a Free no obligation discussion on how we may be able to help you: 01173 823 823

Drop us a line with any query you may have and we'll make sure we get back to you as quick as we can: contact@leafifa.co.uk

What The Financial Planning Process Involves

Financial Planning advice involves a number of careful steps that define where you are now, what you may need in the future and what you must do to reach your goals.  Everyone's situation is unique but the below steps are a typical example.

Each Advice process is unique, based on your own personal situation.  The below steps are a typical example of what you may experience.  Please contact us if you would like an explanation of what the process would look like for you or click to see the process in more detail.

1 - Initial Meeting

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1 - Initial Meeting

An initial face to face meeting. We will discuss your current financial position and more importantly gain an understanding of the things you want to achieve in your lifetime. Establishing and understanding your goals is key to the process. This meeting can be in your home, an alternative location of your choosing or via a video call and will take around 30 minuets to an hour.

2 - Analysis

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2 - Analysis

This step involves a comprehensive analysis of your financial affairs – your income and assets on the one hand, and all your outgoings on the other, current tax, location of assets and level of protection. Analysis is performed within the framework of factors such as appetite to risk, values in areas such as ethical investing and your overall goals. This is used to determine the best allocation of resources, products and providers.

3 - Develop Plan

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3 - Develop Plan

The results from the Analysis will be used to develop your Financial Plan, combining the results with the realities of your unique personal situation and lifetime goals. The process will use statistical methods, such as cash flow modelling, and the optimal use of different types of investments, financial products, tax wrappers and pensions.

4 - Initial Review

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4 - Initial Review

A face to face meeting will be used to take you through the plan, from how it was developed to what this means for you in practical terms and how you will benefit. Genuine Independent financial planning is much more than just recommending a product to solve an immediate need. It provides direction and meaning to your financial decisions and allows you to understand how each financial decision you make affects other areas of your life.

5 - Implementation

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5 - Implementation

We will work with you to ensure that the plan is implemented correctly; for example there may be investments or tax opportunities that will have to be arranged. This can be part of an ongoing process or as a one off exercise.

6 - Ongoing Review

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6 - Ongoing Review

Flexibility will be built into the plan and there will be features in place to protect against unforeseen events, but life is rarely as expected and the financial landscape is constantly changing in the modern world. Ongoing monitoring of the plan performance will help to ensure that the plan is still positioned in the most optimal way and will help identify any issues that arise.

1 - Initial Meeting

Find Out More

1 - Initial Meeting

An initial face to face meeting. We will discuss your current financial position and more importantly gain an understanding of the things you want to achieve in your lifetime. Establishing and understanding your goals is key to the process. This meeting can be in your home, an alternative location of your choosing or via a video call and will take around 30 minuets to an hour.

2 - Analysis

Find Out More

2 - Analysis

This step involves a comprehensive analysis of your financial affairs – your income and assets on the one hand, and all your outgoings on the other, current tax, location of assets and level of protection. Analysis is performed within the framework of factors such as appetite to risk, values in areas such as ethical investing and your overall goals. This is used to determine the best allocation of resources, products and providers.

3 - Develop Plan

Find Out More

3 - Develop Plan

The results from the Analysis will be used to develop your Financial Plan, combining the results with the realities of your unique personal situation and lifetime goals. The process will use statistical methods, such as cash flow modelling, and the optimal use of different types of investments, financial products, tax wrappers and pensions.

4 - Initial Review

Find Out More

4 - Initial Review

A face to face meeting will be used to take you through the plan, from how it was developed to what this means for you in practical terms and how you will benefit. Genuine Independent financial planning is much more than just recommending a product to solve an immediate need. It provides direction and meaning to your financial decisions and allows you to understand how each financial decision you make affects other areas of your life.

5 - Implementation

Find Out More

5 - Implementation

We will work with you to ensure that the plan is implemented correctly; for example there may be investments or tax opportunities that will have to be arranged. This can be part of an ongoing process or as a one off exercise.

6 - Ongoing Review

Find Out More

6 - Ongoing Review

Flexibility will be built into the plan and there will be features in place to protect against unforeseen events, but life is rarely as expected and the financial landscape is constantly changing in the modern world. Ongoing monitoring of the plan performance will help to ensure that the plan is still positioned in the most optimal way and will help identify any issues that arise.

Step 1 – Initial Meeting

An initial face to face meeting to help us understand your current financial position and what you are looking to achieve in your retirement.

An initial face to face meeting. We will discuss your current financial position and more importantly gain an understanding of the things you want to achieve in your lifetime. Establishing and understanding your goals is key to the process.

This meeting can be in your home, an alternative location of your choosing or via a video call and will take around 30 minuets to an hour.

Step 2 - Analysis

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This step involves a comprehensive analysis of your financial affairs – your income and assets on the one hand, and all your outgoings on the other, current tax, location of assets and level of protection. Analysis is performed within the framework of factors such as appetite to risk, values in areas such as ethical investing and your overall goals. This is used to determine the best allocation of resources, products and providers.

 

Step 3 - Develop Plan

The results from the Analysis will be used to develop your Financial Plan, combining the results with the realities of your unique personal situation and lifetime goals.

The process will use statistical methods, such as cash flow modelling, and the optimal use of different types of investments, financial products, tax wrappers and pensions.

Step 4 - Initial Review

xxx

A face to face meeting will be used to take you through the plan, from how it was developed to what this means for you in practical terms and how you will benefit.

Genuine Independent financial planning is much more than just recommending a product to solve an immediate need. It provides direction and meaning to your financial decisions and allows you to understand how each financial decision you make affects other areas of your life.

Step 5 - Implementation

We will work with you to ensure that the plan is implemented correctly; for example there may be investments or tax opportunities that will have to be arranged.

This can be part of an ongoing process or as a one off exercise.

Step 6 - Ongoing Review

xxx

Flexibility will be built into the plan and there will be features in place to protect against unforeseen events, but life is rarely as expected and the financial landscape is constantly changing in the modern world.

Ongoing monitoring of the plan performance will help to ensure that the plan is still positioned in the most optimal way and will help identify any issues that arise.

Complimentary Consultation

We always offer a complimentary consultation and always completely at our expense.

We use this session to discuss any queries you may have, determine if you need any financial advice and if so what would sort would best suit you. It also allows us time to get to know each other and explain how the advice process works and what you will receive for each service.

The session usually lasts between 30 minutes and an hour.

You will walk away from your consultation with an understanding of what advice you may need, how it will benefit you and how much it will cost.

We aim to simplify financial advice– because life is complicated enough.

Contact Us

Please fill out the below form and an Adviser will call you back at your desired time:

Finding the right independent financial adviser (IFA) is an important decision and should not be made hastily.  We want to help you make the right decision, both for which adviser you select and what type of advice you elect to receive.

We offer an initial consultation for free without cost or obligation, giving you the opportunity to ask any questions you have about the advice process, our firm, our costs or anything else you are unsure about.

Clients often worry that advice will cost too much.  Our Fair Price Promise means we will only engage a new client if we believe the benefit will exceed any fees we may charge.

Please get in touch today for a chat about how we can help you.

Give us a ring – 01173 823 823

Drop us a line – Contact@LeafIFA.co.uk

Send us a Tweet – @BristolIFA

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Leaf Financial Advisers Ltd is entered on the FCA register under reference 944216.

Leaf Financial Advisers Ltd is registered in England and Wales, Company number 12950412.  Registered office: 39 Cromwell Road, Bristol, BS6 5HD.

Leaf Financial Advisers Ltd. is an appointed representative of Julian Harris Financial Consultants, which is authorised and regulated by the Financial Conduct Authority, FCA number 153566.

The performance of your investments is subject to risk(s). Its performance may fluctuate based on movements in the market and economic condition(s). Capital at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested. Past performance is not a reliable indicator of future performance.

Tax treatment is based on an individual’s unique circumstances.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.  Please note that some mortgages such as commercial BTLs are not regulated by the FCA. Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk. 

Our Privacy Notice can be found here.

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