Our journey together

Expert Wealth

STEP 1: Exploration

The purpose of exploration is to help you decide whether we are the right adviser for you.

  • To ensure you get the very best possible outcome from our work, we are interested in you, your lifestyle, your objectives and what’s important to you
  • We will ask you to describe what you would like to achieve as a result of our work together
  • During Exploration we promise to listen to you and not talk about financial products
  • If we believe we can help you and we are a good fit for each other we will explain our services and charges
  • If you decide to engage us, we will ask you to sign our Client Agreement before we commence work
Expert Wealth

STEP 2: Discovery

Once we have your initial instruction we will arrange your first Discovery meeting

  • In preparation for this we ask you to provide the initial information required to understand your circumstances and objectives
  • We will ask you for information about any current investments and other financial products you have in place
  • We will establish your attitude to risk so that your investment strategy allows you to sleep soundly at night
  • During Discovery we will explore your aspirations more deeply and help you to identify and prioritise your financial objectives
  • We will then carry out an in depth analysis of your current financial situation, build your personal cashflow forecast and shape the draft financial plan in preparation for the Planning phase
Expert Wealth

STEP 3: Planning

During Planning we will review your personal vision, then explore and help you overcome obstacles that may prevent you achieving your objectives

  • We will present your personal cashflow forecast so that you have a clear picture of where you are now financially in relation to where you want to be
  • This is a collaborative phase where we will talk you through the draft plan and show you what actions are required to achieve your objectives
  • We will identify and discuss your options and, with your input, consider different possibilities
  • We will explain our recommendations and reasoning, answer your questions and help you decide what to do
  • Planning may involve more than one meeting so that you can consider the different options and decide on the best way forward
  • Once you have decided what you wish to do and are completely happy, we will proceed to Implementation
Expert Wealth

STEP 4: Implementation

Implementation is where we put your plan into action

  • If paperwork is required we will complete as much of this as possible in advance to save you time. Often, all you need do is sign the forms, although if your medical history is involved, we will leave those questions to you
  • We also do all the administration, track the progress of applications regularly; and keep you informed throughout
  • We will confirm our advice and recommendations in writing, and produce your personal ‘financial master plan’ so that you know where you are going
Expert Wealth

STEP 5: On-going service

On-going planning meetings allow you to monitor your progress

  • We will update your plan to reflect any changes in your objectives and circumstances, legislation, taxation
    and economic conditions, so that you stay on course
  • We will also update your financial master plan
  • The frequency of these meetings will depend on your personal needs and the level of complexity of your situation. Most financial plans should be reviewed at least annually
  • The on-going relationship continues for as long as you feel you are getting value from our services
Find out more about Expert
Please convey our thanks to Jonathan for his diligent attention to our needs and the way he was able to answer all our questions. Graham & Marian Hall

Expert Opinion…

EWM portfolio and funds review | Spring 2017

Jonathan, May 16th, 2017

In our last blog, we wrote about behavioural biases and how they can affect us all as investors by pulling us off course if we succumb to their siren call. Let’s face it, if we wanted to, we could find plenty of reasons in the 24 hour news feeds every day to […]

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These foolish things…

Dominic, April 26th, 2017

As investors, we have to contend not only with the erratic and unpredictable nature of markets but also the erratic and irrational way in which we think and behave. ‘‘If I have learned anything in my 52 years in this marvellous field, it is that, for a given individual or institution, the […]

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Why Does Diversification of Investments Reduce Risk?

Jonathan, March 8th, 2017

Diversification helps you protect invested capital If you’re thinking about investing money, the chances are that you’ll have encountered the term “diversification” but might not know exactly what it means or why it’s important. Why does diversification reduce risk? While diversification may sound like a fund manager’s buzzword, it’s actually a crucial […]

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Expert Wealth Management, West Wing, The Old Dairy, High Cogges Farm, Witney, Oxfordshire, OX29 6UN


Your Protection: In the unlikely event of your ever having a complaint which we have not been able to resolve amicably, you have recourse to the Financial Ombudsman Service (FOS). This is an independent body which will investigate complaints at no cost to you.  The FOS website is www.financial-ombudsman.org.uk.