Question 1

Step 1: Introduction & Discovery

Accepted Answer

Effective financial planning starts with a strong relationship between adviser and client. The first meeting is all about getting to know each other.

The meeting begins with an introduction to the services, how advisers are remunerated, and the objectives for the session. After that, the focus is entirely on you, exploring your short, medium, and long-term targets, as well as personal and financial aspirations. We aim to understand life today and, most importantly, the life you want to create in the future.

Some questions that may be discussed include:
 • Why are you investing?
 • How long are you planning to invest for?
 • What level of risk is comfortable for you?

There’s no need to complete forms or bring documentation; simply relax, share your thoughts and we’ll take care of the rest.

Question 2

Step 2: Cash Flow Model & Risk Profile

Accepted Answer

All the information gathered in the first meeting, along with any additional data collected on your behalf, is input into a cash flow model. This allows you to visualise your financial future through numbers, charts, and graphs, helping answer key questions such as:

• Can I afford that house in five years?
 • Can I fund my child’s education?
 • Are my plans and goals realistic?
 • Can I achieve financial freedom at 55, or will I need to work until 65?

The discussion then moves to your risk profile, exploring your attitude to risk and how comfortable you are with different levels of volatility. Through conversation and, if needed, a questionnaire, advisers gauge your understanding of risk versus reward and various asset classes, filling in any gaps and highlighting potential approaches where appropriate.

Question 3

Step 3: Designing Your Financial Plan

Accepted Answer

Once we have gathered all the information about you, our advisers begin to design your financial plan. This process brings together everything we have discussed, from income and assets to future aspirations, to build a strategy that reflects your circumstances.

The plan is tailored to balance your objectives with a level of risk you are comfortable taking. This means exploring different scenarios, assessing how they might impact your journey, and recommending approaches that help keep your finances aligned with your goals.

At this stage, you will start to see how all the pieces fit together into a clear roadmap, one that adapts as your life, needs, and the world around you.

Question 4

Step 4: Presentation, Advice & Getting Started

Accepted Answer

The next step is presenting your financial plan. This document outlines your current situation, goals, and objectives, and sets out the recommended investment strategy, ongoing costs, and the advice provided.

You then decide whether to work with us to help achieve your goals or to continue independently.
If you choose to implement the plan, the necessary documentation can be completed and authorised remotely if needed. A start date and investment amount are agreed upon, and the plan is put into action.

Once in place, progress can be monitored securely at any time through your own Client Account, giving visibility and control over your investments.

Question 5

Step 5: Ongoing Reviews

Accepted Answer

Reviews provide updates on portfolio performance, highlight any legislative or market changes that could affect your investments, and ensure your plan remains on track. They are also an opportunity to discuss changes in your personal circumstances or adjust the goals you have set, keeping your financial strategy aligned with your evolving life.

Annual reviews are aligned with your chosen advisory package, ensuring the support you receive matches your circumstances and investment needs.

Approach

The Belvedere Way

Our Process

Why Work With Us

Client-Centred Approach

Expert Guidance & Knowledge

Transparent, Trusted Partnership

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