How it works

You talk, we listen and help make your money work hard for you

Many people think that going to a financial adviser is about finding the best place to invest money, whether it’s an inheritance, money for an ISA, or their pension pot.

Yes, it is that, but also, so much more! That’s because it’s impossible to give advice on these things unless we know what the money is actually for.

So we simply can not answer those questions until we know more. We’ve developed a step-by-step process, which starts with knowing you…

How it works

1

Getting to know you

Whether in person or via video call, our first meeting together will be all about you.

We’ll talk about you, your family, your hopes, your fears, wishes and dreams, and everything that makes you ‘you’.

We’ll chat about what you’ve already achieved in life and where you’d like to be in the future. We’ll ask about your family and find out the details of your current financial situation. For example, income vs expenditure, what money you already have, where it’s held, and how it’s performing.

2

Financial forecast

Now that we have all the details we’ll provide our insight on where you are now and where you’re heading, while outlining the options available to you. During this process we’ll introduce you to our cashflow modelling software, which enables you to see your financial future in real time.

We can show you the impact on your financial future of potential events (such as unexpected windfall, loss of income, illness or even death). We can also adapt potential growth rates which will ultimately show you the outcomes of these ‘what if’ scenarios.

3

The roadmap to your goals

Based on the first 2 stages, we can then tell you the steps that are needed to achieve your financial goals.

This will include calculating the levels of risk you need to take with your assets to get to where you want to be. Or if you’ve already reached retirement, it could be a case of looking to mitigate inheritance tax or ‘dying with too much money’ in which case we can discuss ways of reducing your estate.

What you can expect

Tailored financial planning

The foundations of your strategy will be based on your needs, wants, concerns and individual circumstances. 

Direction and support

Know where you are now, where you want to be and how you’re going to get there. Our door is always open to all clients.

 

A fixed fee service

Unlike many financial planners, we don’t take a percentage of your assets. Being client-focused, we simply charge an annual fee. 

An agile financial plan

You never know what life has in store for you, which is why your plan will be adaptable to changes in the economy, your finances or your personal life.

 
 

Focus on your portfolio

We take on a limited number of clients so we can give you our full personal attention. 

 

Start planning your future today

01189 090096 | info@milliganfinancialplanning.co.uk