Your journey with us

Financial planning is an ongoing journey, but an incredibly rewarding one. You’ll find clarity at every stage of the process, and we’ll get to know you very well, forming a long-term relationship as we go on the following journey together.



Before agreeing to work together on your financial roadmap, we’ll conduct an initial financial review to ensure we’re right for one another. This consultation is free of charge.

Should you decide to go ahead and work with us, the first step will be to book your Discovery Meeting. Our team will register you for our secure onboarding system and then you’ll need to complete your Attitude to Risk assessment and upload your ID documents to our portal.

Your next stage


Discovery Meeting

Once all the above has been collected, we’ll be able to conduct our Discovery Meeting. These are held online via our client portal, which has video conference software embedded into it. Face-to-face meetings are available upon request.

In the Discovery Meeting, we’ll uncover your goals and dreams and fully understand where you are now and where you want to be in the future.

Your next stage


Review and analysis

After the meeting has taken place, we will ask you to sign documentation to enable us to obtain information on your existing financial arrangements and we’ll agree on which service you require.

Once we’ve received the information from your existing providers, we’ll undertake a thorough analysis of your plans. We’ll consider if they are suitable for your current and future plans, then examine what action needs to be taken and begin to form your roadmap.

Your next stage


Strategy Meeting

Once your financial roadmap has been ironed out, we’ll work with you to develop a comprehensive plan to ensure you meet your life goals.

At this meeting, we’ll discuss what recommended action is required to achieve your aspirations and agree on the next steps.

Your next stage



This is the part in our journey where your roadmap all comes together and your journey to financial freedom begins. Our support team will work with you to complete any documentation required. We’ll also work alongside your professional advisers if required.

We will register you for our secure client portal which will keep you in the loop at every stage of the process, so you always know where your plan is heading.

Keeping your plan on track

Ongoing meetings


Book progression meeting

Before we get into the nitty-gritty, the first step is to book your Progression Meeting using our online booking system. If you need any help with this, the team will be more than happy to assist.


Client Portal

We will ask you to update your personal and financial circumstances on our client portal, as it’s amazing how quickly our finances can change in the space of 12 months, so we always want to ensure that we have your most up-to-date details. This ensures our plans are accurate and effective.


Compliance check

No stone is left unturned. We update our Terms of Business, Client Agreement, Service Proposition and Privacy Notice from time to time. If we’ve made any changes, we’ll provide you with updated copies.


Updated ID

Before the Progression Meeting takes place, we may need to update your ID and ask you to complete a new Attitude to Risk assessment. Once again, ensuring quality and accuracy in the work we do.


Review & analysis

Once we’ve established any changes to your current circumstances or goals, we’ll undertake a thorough analysis of your plans and consider if they remain suitable. We’ll then establish what action needs to be taken.


Prepare your value add scorecard

We’ll prepare a document which physically shows you the value we’ve added over the last 12 months. It may show things like how much we’ve saved you on Capital Gains Tax bills or even things as simple as collating and issuing all end of year tax statements to your accountant.


Progression meeting

Once we’ve done our analysis and received everything we need from you, Lloyd will meet with you and determine if you are on track. This includes a 12-point financial health check to ensure we cover every aspect of your life.


Agree on actions

We’re all ears and always want to hear your feelings on what we suggest. It’s your roadmap after all. By having an open conversation we’ll agree on the actions required to keep you on track and achieve financial freedom.


Implementation stage

Once you’re happy with your updated roadmap, it’s up to our friendly client support team to see it through. They will work with you to complete any documentation required to implement your agreed actions.

We’ve got the toolkit to achieve your goals

Why clients choose us

"Cashflow forecasting has given me control and a sense of security."

Jennifer Morrison

Actively Retired

Client since 2011

"Lloyd never makes us feel like we're asking silly questions."

Shaun and Jane

Senior Executives & Professionals

Client since 2021

"He gives us the confidence that we'll thrive in retirement."

Darren Staniforth

Business Owners & Self Employed

Client since 2004

"I feel very comfortable that my financial future is secure."

Barbara Goldsmith

Actively Retired

Client since 2015

"He knows, and I don't!"

Murray Rose

Business Owners & Self Employed

Client since 2008

"He puts everything into easy to understand language."

Mike Park

Senior Executives & Professionals

Client since 2014