Engagement process
From first call to written advice
Financial advice here follows a steady sequence so you know what to prepare, what you will receive, and when fees are confirmed. This page explains the rhythm behind every consultation we offer.
The five steps
- Introductory call. Around twenty minutes to confirm fit, outline your pensions or cover, and indicate a fee range.
- Engagement letter. Written confirmation of scope, fee, and meeting format (Wales office or video).
- Document checklist. Pension statements, State Pension forecast, policy schedules, or ISA valuations — gathered before the main session.
- Main consultation. Typically ninety minutes to two hours, focused on the decision you named.
- Written plan or summary. Delivered within an agreed window, with an optional follow-up call for retirement income planning.
What we ask you to bring
Recent workplace and personal pension statements, a State Pension forecast where relevant, mortgage offer letters after remortgage, life and critical illness schedules, and a simple note of monthly household spending. Incomplete paperwork slows the session; we would rather wait a week than guess figures.
Where advice stops
We do not provide accountancy filings, legal drafting of wills, or discretionary day-to-day investment dealing. Where a solicitor or accountant is needed, we say so plainly in the written notes.