Financial Planning Process

Regardless of the scope of advice, financial planning is all about you, your aspirations and your circumstances. In other words, it's highly personal and so is the service.



    Wealth Management enquiries will be referred to a suitably qualified financial advisor within the Quilter group.

    The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

    The overall aim of the financial planning process is to help you reach your financial goals and develop or maintain your desired lifestyle, in the most efficient way possible. 

    Therefore a systematic consistent approach is adopted which ensures the needs of clients come first and aims to deliver a 'Successful Financial Planning Experience'. The Process is generally broken down into 6 steps, commonly adopted by leading Professional Financial Planners.

    Discovery Meeting

    The purpose of the Discovery Meeting is an opportunity for you to get to know us, ensuring you feel comfortable about what we do and how we do it. It is also an opportunity to establish an outline of your objectives and whether we will be able to add significant value to your planning.

    Establish Your Objectives

    Only if clients are comfortable, the Discovery Meeting can lead to an immediate detailed discussion about your plans. This is where we gather details about you and try and understand as much as we can about what really matters to you. What you care about? What interests you? What your fears are? What would you do if money was not an option?We will help you identify and articulate the answers to these important questions.We will also gain a complete understanding of your current financial situation.The more detail the better, because the clearer the picture of you and your finances is, the clearer the starting point of your journey.

    Analyse Your Planning

    Using the information gathered, we now work as your Financial Planner and take a comprehensive look at the tangible financial elements that make up your life such as your savings, investments, protection, retirement, tax position and estate planning.

    Prepare & Present Your Wealth Management Plan

    From the analysis we then develop a highly specialised bespoke 'Wealth Management Plan' for getting you from where you are today to where you want to be in the future. We assess your objectives to determine any 'gap' between the goal and the reality. This 'Gap Analysis' will enable us to clearly understand the journey you will need to travel in order to achieve your goals and live the life you want.

    At this stage of your planning, this is an opportunity for you to see into the 'future' using our Cash Flow Forecasting Service. If there is anything you do not like about the 'future', you have an opportunity to come back to the 'present' and make changes to your planning.

    Implement Plan & Recommendations

    Once we have reached agreement with you, we can begin to implement the strategy. This is an important and critical stage and various factors will need to be considered. As some plans may take several weeks to implement, we ensure you are aware of all timescales prior to implementation whilst keeping you informed of progress at all times.

    Monitor & Review Your Planning

    After a comprehensive Wealth Management Plan has been implemented, it soon becomes out of date, either because economic, tax or external conditions have changed, or your circumstances may simply have moved on.

    For these reasons, we have put together a comprehensive Wealth Management Review Service that monitors and evaluates your progress. At this stage any adjustments or modifications can be accommodated into your Plan.

    At this stage, we take the opportunity re-visit our relationship with you to ensure you are completely satisfied with our approach.

    Estate planning and taxation advice is not regulated by the FCA.

    Copyright © 2021 Elite Financial Services. All Rights Reserved


    G&E (Network) Ltd. registered in England & Wales No. 3133675. Registered office address: 22 Moulsham Chase, Chelmsford, CM2 0TB

    Elite Financial Services is a trading style of G&E (Network) Ltd who are an appointed representative of Quilter Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Quilter Financial Planning Limited are entered on the FCA register ( under reference 440718.


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