The client journey

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Your journey to reach your goals

We pride ourselves on the friendly and approachable nature of our advisers and staff, who are all committed to delivering honest, appropriate advice. We’re here to ensure that your journey to reaching your goals runs as smoothly as possible.

Our advice is independent and bespoke to each client, however, there are generally five key stages of your journey with us:

1. Initial consultation

We will:

  • Explore your specific financial planning needs, your goals and objectives
  • Discuss your experience of financial planning
  • Talk about how we work, the process and propose the next steps
  • Agree (where appropriate) to work with you to obtain information directly from existing providers and assemble the fine details of each of your existing financial products in preparation for our analysis

2. Fact finding

We will discuss your current financial position in detail, including your income, expenditure, assets and liabilities. This will build a picture of your current circumstances and allow us to focus on how we can bridge any gaps.

3. Analysis, research and recommendations

Now we will have all the information we need to assess your existing plan and how you can meet your aspirations or goals. If one of your current financial products is not matching your goals, we will recommend replacements where necessary to compliment any other solutions that will meet your needs.

4. Implementation

Once you are comfortable with the plans we have recommended, the next stage is to implement your plans and complete the applications for the recommended solutions.

5. Review (for clients with on-going advice)

Your adviser will continually review your plans with you and the progress towards your goals. The impact of any changes in your life and the new goals and adjustments to your plan will be reviewed to ensure the work we do together remains relevant and in-line with your expectations.

What our clients say

Take a look at some of our client stories and find out why they’ve chosen us as their independent financial advisers.

I met Jason Ricketts some 15 years ago when he managed to put all my employment pensions together. My pension now works far more efficiently and performs very well. I would recommend him and his team to anyone.

Jeffrey Wright, London

I have been working with John for over 15 years. Working within the Reassurance Industry keeps me incurably busy, but John is able to work around these commitments to ensure I am regularly updated on my financial plans.

Charlie S, Brentwood Essex

At the outset John completed a full review of my financial circumstances while I was working offshore, putting forward a recommendation based on my plans to retire in the UK. The service he provides is excellent and one that I have come to rely on.

Richard W, Northamptonshire

I have found them extremely helpful, competent and professional and key for me, patient and willing to listen. They explain things clearly and will take the time to analyse and discuss the options. Not being tied to any particular product they include a diverse range of options, but a clear rationale for their recommended choice.

Lloyd Tunnicliffe, Bishop's Storford

I’ve been working with John for 30 years. During that time, I have had children, moved to a new house, job and country several times. At every stage, I’ve had someone to help me think through my personal ambitions and lifestyle choices and to identify the best investment opportunities.

Richard O, Esher Surrey

One day an article about my old company caught my attention and I read in horror about a potential issue with its pension fund. After discussing my concerns, Jason found a solution which took into account my current status as a resident in Spain and, more importantly, my need to secure the pension that I had worked so hard for.

Alison Hook, Murcia Spain

Placing your financial future in anyone’s hands is a major decision and is ultimately underpinned by trust. I liked John’s understated sense of experience, solid track-record and the clear depth of market knowledge that was evident. No sales pitch and no fast talk! Regular check-ins have provided reassurance and updates to the investment portfolio have made all the difference.

Rupert Young, Dubai

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