Journey

Choosing to work with a financial planner is a big decision, so it's always good to know what to expect before you start. Here's how we would work with you.

The value of a financial plan

“A goal without a plan is just a wish” * – we couldn’t agree more. A financial plan isn’t just about numbers and products; it’s about identifying your goals and aspirations for the future and creating a roadmap to achieve them.

*Antoine de Saint-Exupery, a french writer.

1.

Discovery meeting

In your Discovery meeting, we will outline our services and understand your current financial position. We will talk through your needs and wishes for the future.

This is our opportunity to really get to know you and your family, what things you like doing and your needs today and your goals and ambitions for the future. This helps us work with you to create a financial plan specific to you.

We’ll then give you the chance to go away and think about how you’d like to proceed. If you’d like to continue working with us, we’ll email you a Client Agreement and a couple of questionnaires to gain further details.

Next

Initial research

2.

Initial research

Once we have gathered all of the information from you in the Discovery meeting; about your circumstances, current assets and liabilities, income and expenditure, as well as contacting any companies concerning existing plans, we will conduct initial research and use everything to build a financial plan, the roadmap to meeting your goals and aspirations.

Next

Financial Planning meeting

3.

Financial Planning meeting 

We’ll arrange a meeting to review your Financial Plan, this is where everything starts to come to life. In this session, we’ll explore potential outcomes, build in scenarios around life events, and agree on the level of risk that feels right for you and your goals. We’ll also talk through tailored recommendations designed to help you achieve your goals.

Next

Recommendations

4.

Recommendations

Based on your financial plan, we will prepare a set of recommendations tailored to your goals and based on our previous discussions. A detailed report, will be sent to you outlining the next steps in the journey, along with any supporting documents.

There is a lot of information in these reports, so feel free to contact your Financial Planner to go through it if needed.

Next

Implementation

5.

Implementation

This is the exciting stage where everything begins to take shape. Once you agree to our recommendations, we will put them in place for you.

This process can take a while depending on the specific steps needed so we will keep you informed throughout this stage.

Remember we invest for the medium to long term so its time to sit back and relax knowing that things are now in place for what you need.

Next

Annual review

6.

Annual review

Life can throw unexpected challenges your way, and that’s why our annual review service is here for you. We’ll get together each year to ensure that your money and investments stay on track to meet your goals. We’ll discuss any changes that have happened in your life, any changes in the profession and revisit your financial plan to ensure you are still on track.

Questions to consider before you start this journey

What are your financial and personal goals?

What keeps you up at night?

What do you want from this process?

Are you planning for any major life events?

What kind of legacy do you want to leave your family?

What’s the most important thing we need to achieve?

What are your financial and personal goals?

Our conversations revolve around you, your family and your goals. What do you want to achieve throughout your life, what money will you need for a particular life event?

What keeps you up at night?

You might worry about what income you will have in retirement, if you can afford school fees for the children or grandchildren? How much tax your estate will pay when you die? If you can afford to go on that big holiday?

What do you want from this process?

Whether you need a long-term plan, expert advice, or just a helping hand, we’re here every step of the way.

Are you planning for any major life events?

Starting a family, selling a business, retirement, care home fees, we help you prepare financially, so you can focus on embracing life’s big moments with confidence.

What kind of legacy do you want to leave your family?

You may have a large estate but worry about the tax, you might have children you want to help but don’t want to leave yourself short or you might want to make sure your young family is protected should anything happen. By including everyone who matters, we ensure your wealth supports your loved ones in the way that’s most meaningful to you.

What’s the most important thing we need to achieve?

The most important thing we need to achieve is helping you live the life you want, now and in the future. Whether that means retiring on your terms, supporting your family, or simply having the confidence to enjoy your money, our goal is to build a plan that gives you clarity, freedom, and peace of mind.

Start a conversation. We’re here to help

01793 786 300

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    Butler Toll Ltd trading as Butler Toll Financial Planners is authorised and regulated by the Financial Conduct Authority. Butler Toll Limited is entered on the FCA register (www.FCA.org.uk) under no. 442229. Registered office: Regus House, Windmill Hill Business Park, Whitehill Way, Swindon, Wiltshire, SN5 6QR. Registered in England and Wales. Company number: 05460739.

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