From understanding your situation to a concrete plan
We start by understanding what you want to resolve, then agree on what the analysis should cover. Along the way we gather the information together, talk through the options, and turn the recommendations into a specific list of actions.
Initial conversation
A conversation about where things stand, the decisions you are weighing and the help you are looking for. You do not need a complete set of documents to start; a general picture is enough.
It usually covers:
- Family, work and current financial arrangements
- The questions you want resolved, or changes you are considering
- Your goals, concerns and timing
Based on that, we propose a suitable scope. Before any formal work begins, the scope, deliverables, fee and expected timeline are confirmed in writing. You then decide whether to go ahead.
Gathering information and analysing the options
We bring the family's assets, liabilities, income and spending together to understand the current arrangements and what different choices would mean. Where foreign assets are relevant to the plan, they are included.
Gathering the information usually takes about three to four hours of your time. Part of it can be done together in an online meeting, going through accounts and documents one by one. Anything unclear can be marked and confirmed later.
Once the information is in, we first prepare the family balance sheet, then carry out the analysis within the agreed scope, which may include:
- Cash flow and retirement
- Investments and asset allocation
- Tax and the order of drawing on assets
- Estate and family succession
- Risk management and insurance needs
The analysis and modelling are done by us; we will be in touch when we need more information or want to confirm an assumption.
At delivery, we go through it together: which current arrangements can stay, which are worth adjusting, what each option would mean, and the order in which we suggest proceeding.
Putting the recommendations into effect
You can carry out the recommendations yourself or through your existing advisors. If you would like our help, specific work can be arranged separately, including coordination with your accountant, lawyer and other professionals.
The action list sets out the recommendations, their priority and who needs to be involved. Where investments, insurance or other professional services are involved, how they are implemented is decided on the specific recommendation.
The scope, fees and any compensation arrangements for implementation support are set out in writing before it begins.
Reviewing and updating as things change
When work, family, assets or life plans change, the plan may need to change too. You can arrange a review when it is needed; regular follow-up can also be agreed separately.
A review focuses on what still applies, which assumptions have changed, and whether the next steps need adjusting.
Working together
From the first conversation to delivery, the same advisor is responsible for your work. We explain the reasoning behind each recommendation; we also need you to provide the relevant information and to tell us about your preferences, your concerns and any changes that could affect the plan.
Where other professional fields are involved, we work with your accountant, lawyer and other advisors.