Client Journey

We recognise that every individual has different financial needs and objectives, and that everyone is at different stages of their lives and financial journey. We therefore look to build a bespoke financial plan appropriate to the needs of each client, aiming to fulfil the expectations of all parties involved and providing transparency at every step of our process.

There are various stages within our financial planning process, which all start with an initial consultation and review of your current circumstances. We will assess your overall financial position, establish your future aims and goals, start to understand your attitude regarding risk and capacity for losses, and then begin to build an overview of how we may be able to help you.

Following this, we structure your financial journey around our ‘4 Pillars’, which we believe provide a solid foundation for a strong financial plan.

Tax Strategy

Following our initial consultation and review of your financial position, we will build and provide you with a full, holistic financial plan. This involves producing an extensive suitability report, recommending independently screened products and investments in line with your situation, goals, and risk profile. We will look to identify the potential tax wrappers that should be utilised, both now and in the future. Your financial plan will encompass the outcome of our previous discussions, our research, our recommendations, our reasoning behind them, and any costs.

Cashflow Forecasts

As part of your financial plan, we also build your lifetime cashflow forecasts. Cashflow forecasting allows us to create a more in-depth financial portrait, and is a visual way of looking at your current financial situation, inputting your future goals and needs, and then projecting your plan forward over time using various assumptions. This helps us to ‘stress test’ your financial plan and tax strategy, whilst also assessing the sustainability. We continue to review this with our clients on an ongoing basis as their situation changes, to ensure they are continuously on track to meet their goals. To give the client an overview of their requirements and whether they are achievable.

Investment Management

We are well placed to identify where we should be investing our clients’ money. Our founder, Henry Metcalf, holds CISI Chartered Wealth Manager status and the level 6 Private Client Investments Advice and Management qualification. His 15 years’ experience in investment management has been invaluable in forming the firm’s investment proposition and suite of Golden Oak Investment Portfolios. We also provide a number of Sustainable Investment Portfolios, for those clients that express a strong preference towards responsibly managed investment funds.

Ongoing Reviews

Your financial objectives will likely change over time due to shifts in your lifestyle and circumstances. We believe it is essential to ensure that our recommendations and your portfolio continue to meet your lifestyle and investment objectives, and we achieve this through our ongoing servicing and advice. Our ongoing review and management service offers structured reviews to give you peace of mind, as well as an assessment of your current circumstances and any changes to your financial plan that are needed.

Client Journey

Tax Strategy

Cashflow Forecasts

Investment Management

Ongoing Reviews

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