HL Consulting received the highly acclaimed title of Chartered Financial Planners on 27th August 2010. This prestigious designation is awarded by the Chartered Insurance Institute and is widely regarded as the ultimate symbol of trust for financial planning.
We would love to hear from you, so why not contact us today? Call us on 0121 222 5450 for an informal chat, or simply request a call back using the link below.
The objective of our advisory service is to implement financial solutions that help enable you to meet your financial goals, which we then offer to review with you on a regular basis to ensure they remain on track. In order for us to achieve this objective, we follow a simple six-stage process as detailed below:
- ‘Discovery meeting’ – an initial consultation
- Goal setting and data gathering – a detailed fact find process
- Analysing and evaluating your situation – detailed research
- Detailed recommendations and advice report
- Implementation of advice, arranging financial products and related actions
- Ongoing monitoring and review
Discovery meeting – an initial consultation
This meeting allows both parties to get to know each other in a stress-free, no commitment environment in which we explain how we work and discuss our services and fees with you. We also identify your personal needs and objectives. If we reach mutual agreement on working together we can quickly move onto the next stage.
Goal setting and data gathering – a detailed fact find process
At this point we want to find out more about you. In basic terms, we listen to you, take time to understand your personal and financial position, review your future plans and existing strategies and discuss your priorities. Our comprehensive discussions typically cover:
– Your basic personal information
– Your income and expenditure
– Valuation of your assets and liabilities
– Your insurance policies, pensions and investments
– Your attitude to investment risk
– Financial priorities, goals and needs
– Any other relevant data affecting your plans
Analysing and evaluating your situation – detailed research
Using the information obtained during the goal setting and data gathering stage mentioned above, we carry out product research to enable us to identify the most suitable recommendations to help you achieve your personal financial needs and objectives.
Detailed recommendations and advice report
Next, we create a personal written recommendations and advice report for you. The report highlights any opportunities that may exist for you to restructure your finances including specific product solutions that support you in achieving your personal needs and objectives.
Recommendations regarding investments take full account of your attitude to risk. We meet with you to present these recommendations, elicit your views and then agree what actions, if any, need to be taken next.
Implementation and confirmation
If you decide to take action as a result of our report, we arrange all of the necessary steps to ensure your decisions are implemented thoroughly, accurately and in a timely fashion. A great plan badly implemented becomes a bad plan, so we:
– Deal with the paperwork
– Deal with changes to existing arrangements, where necessary
– Liaise with your own professional advisors, if any
– Keep you fully informed of our progress
– Verify your plan documents
Ongoing monitoring and review
Often, financial planning is not a “one-off” event. In fact, regular review meetings are integral to our mutual relationship, as we believe our ongoing monitoring and review services add significant value.
Dependent upon your individual circumstances the ongoing relationship we have with you will vary, but the main purpose of our monitoring and review service is to examine your position on a systematic basis to ensure your financial strategies continue to meet your needs.
Through regular review meetings we can also develop our planning strategies over time to take account of your changing circumstances and objectives as well as any developments in economic conditions, legislation (taxation, etc.) and new ideas / planning techniques.
We invite you to review meetings at agreed intervals and provide you with regular communications regarding topical financial issues. You also have unlimited telephone and email access to your dedicated advisor.
The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.
We would love to hear from you, so why not contact us today? Call us on 0121 222 5450 for an informal chat, or simply send us a message using the form opposite.