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.
Step 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.
Step 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.
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
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 – Monitoring
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.
Our opening hours are 9.00 until 6.30 Monday to Friday and 9.00 until 1.30 on Saturday.
We offer flexible appointments and often see clients in the evenings and weekends, as well as the usual 9-5.
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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.
Leaf Financial Advisers
39 Cromwell Road,
St Andrews,
Bristol,
BS6 5HD
Open from