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

Expert Wealth TV…

Is Stock Picking Worthwhile?

Jonathan, December 28th, 2017

Have you ever considered if the attempt to select and buy individual stocks is a worthwhile exercise? Is it better to stick with a disciplined approach to investing and look to win in the longer term? This vlog explores some thoughts on the matter (and there's a very cold dip involved!).

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The Basics Of Investing | Part 1 – Asset Classes

Expert Wealth, December 15th, 2017

In this great Expert Wealth TV series we'll explore the basics of investing in simple bitesize chunks. In this first video, we'll learn about asset classes.

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The Value of Advice | Part 1- Do I need an adviser?

Expert Wealth, December 18th, 2017

In the first in our series of videos on the value of financial advice, we'll ask the key question - Do I need an adviser?

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I just wanted to say thank you very much for taking time to talk me through the pensions maze! You have been extremely helpful in helping me to make a decision. Tracey Smith

Expert Opinion…

Our 2019 Annual Investment Report

Marcus, February 19th, 2020

We couldn’t agree more with Paul Samuelson that an investment portfolio should aim for steady growth rather than taking risks for the chance of making gains, however exciting or tempting that may be. 2019 saw a continued trend for the UK retail market to adopt the same approach, with net outflows from active funds of £3.1bn and net inflows to passive funds of £21.5bn for the year to date at the end of October.

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Taking small steps towards a more sustainable world

Dominic, February 4th, 2020

It does feel as if the world is at an inflection point: step up to the challenges of global warming and other non-sustainable pressures on the Earth’s resources today or let our children and grandchildren reap the havoc of the melting ice caps; sea water level rises; deforestation and a decline in biodiversity; desertification and the potential social and migratory upheaval that will accompany it.

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Bricks and mortar property fund suspensions. Again? Really?

Jonathan, January 6th, 2020

‘Its déjà vu all over again!’ Yogi Berra, famous baseball coach and part-time philosopher The recent announcement by M&G that it had taken the decision to suspend redemptions on its £2.5bn M&G Property Portfolio – after suffering ‘unusually high and sustained outflows’ estimated at £1bn over the past 12 months – is […]

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T: 01993 772467      E: advice@expertwealth.co.uk

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.