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Brexit – No Deal
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The unsettling and daunting time following a life changing event can open all sorts of emotions, financial planning needs and concerns, from income requirements, investment needs, taxation planning and succession planning to name just a few. The journey we take with our clients to ensure future peace of mind is a very detailed one and we start at the very beginning to establish what our clients and their families want to achieve and what their concerns are.
We do this by listening and supporting, before advising – from simple handholding through to complex financial calculations. These include cash flow planning and risk profiling. This vital work allows us to analyse, research and provide suitable solutions to meet clients needs, for life.
We are determined to forge lifetime client relationships and our retention rate of 99% over the past 30 plus years is testament to our ability to provide first class, specialist and valuable independent financial planning for individuals after life changing events.
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Lauren Stanley
Frenkel Topping Limited
The methodology of providing our advice is set out in four distinct areas:
1. Initial meeting: Completion of fact finding documentation, establishing income and expenditure requirements, cash reserve requirements, setting objectives and prioritising them in order of importance – establishing the client’s tolerance to risk and capacity for loss.
2. Detailed cashflow modelling to demonstrate that the drawdown of the clients’ investments meets their capital and income requirements over their suggested life expectation.
3. Financial Planning advice and subsequent recommendations: This will be in line with the client’s circumstances, experience and key objectives.
4. Implementation and review. When making specific recommendations we consider many areas, including:
- What are the client’s short, medium and long-term financial objectives?
- What investments are suitable to meet these objectives?
- Is there an immediate need for income?
- Is there sufficient capital held as an emergency fund?
- Are any tax wrappers appropriate?
- What are the underlying charges of the investments?
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Brexit – No Deal
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