FINANCIAL PLANNING...OUR APPROACH
GETTING TO KNOW YOU
We take time to understand your situation and aspirations. Typically this includes an initial conversation during which we will clearly explain how we charge for our services.
This stage of the process is entirely at our expense and with no obligation.
UNDERSTANDING YOUR GOALS AND CREATING YOUR BESPOKE FINANCIAL PLAN
We’ll gather information from you and your current providers about your financial situation and create a Fact Find document. We will utilise this information combined with your objectives to create a bespoke Initial Strategic Review. This document provides our recommendations for your next steps.
IMPLEMENTING YOUR PLAN
Following your instruction, the Culverhouse & Co team carry out the recommendations in the Initial Strategic Review. For example establishing or switching a pension, or helping your savings to work harder for you.
KEEPING AN EYE ON THINGS
Most clients require us to closely monitor their investments an ongoing basis. You can log in to our secure online Personal Finance Portal that allows you to see your full financial picture 24/7. Our ongoing reviews are carried out at regular intervals pre-agreed with our clients and ensure your investments remain appropriate and in line with your risk profile. As well as formal monitoring we pride ourselves on always being at the end of the phone to talk with you about your financial plan, should you wish to do so.
Support of a wider team with global expertise
Whilst we are based locally for your convenience, we recognise that when it comes to financial planning a world-wide, research-based outlook is crucial.
That’s why our work is supported by a wide variety of experts, research and software.
We use a risk profiling questionnaire and associated analysis tools, based on the world’s most academically validated psychometric risk tolerance assessment*, to provide a full understanding of your attitude to risk that includes your risk tolerance, need and capacity for loss.
We identify potential investments appropriate to your risk profile, for consideration. The identification of investments is based on our research, coupled with ongoing international insight from specialist investment fund research and ratings providers, which takes into account ongoing world events; meaning that our approach is global.
We are supported by a team of UK-based compliance and technical experts throughout the process, ultimately with your protection in mind.
*Source: Morningstar
