Your end goal needs to be your starting point.
Having a plan in place is the first step to achieving your goals.
Sarah N. and her husband had a financial adviser before they came to Colmore Partners, however the advice they had received up until that point had felt a bit piecemeal. They had a mortgage, they had investments, they had insurance, but there was no plan. When she met with Simon Hoult, that changed and it was transformational, says Sarah. She explains how below in her own words.
Sarah N.
We had a financial adviser before, but it all felt a bit piecemeal to be honest. We had a mortgage, we had investments, we had insurance, but not a plan.
We were never encouraged to think about our finances holistically, for example what income we would want when we retired, what we wanted to save for our boy. When we met Simon, he asked a load of difficult questions. And it was just what we needed. Me and my husband have very different attitudes to money and Simon’s questioning really allowed both of us to have much needed discussions about the wider plan for the future and what we need to do to get there.
We’re now chipping away at our mortgage by reducing the term and paying more every month. We’re pushing ourselves financially, but I can see the benefit of it. Even just having a five-year plan is something we never had before and it’s been transformational. Simon just tells it like it is and I like that.
His candour made us really examine where we wanted to be. And the fact that he made the starting point the end goal was a real eye-opener. Having a plan, it feels like we’re in control and it’s comforting.
Sarah N., Building wealth. Married with one son.
We support you with a process that covers every aspect of your finances – from your assets to tax liabilities. This is what that looks like in practice.
Create ‘Grand Plan’
We meet you and listen carefully to your ideas, hopes, and aspirations. We ask pertinent questions and take copious notes. Then we build a plan that’s right for your individual circumstances. It will have clear objectives, it will be strong enough to last a lifetime and it will be flexible enough to bend with the changes life throws at you.
Structure for maximum efficiency
The Grand Plan works when it’s structured for maximum efficiency. This means paying the least amount of tax, identifying who should own the assets, and how best to use all your available tax reliefs. Efficiency also means managing your fees appropriately – so more of your money goes to you and your loved ones.
Implement
Everyone feels different about risk. We take great pains to understand how you feel about it – and then we marry it up with the levels of risk required to meet your hopes and aspirations. This enables us to select the most suitable investment style that will help you achieve your objectives.
Review
Life has a habit of throwing a curve ball or two. From changes in your personal circumstances to the introduction of new laws and taxes – as well as stock market ups and downs. We talk with you regularly about these, the ways in which they may affect your objectives – and therefore the Grand Plan – and agree any changes that may be needed sensibly and rationally. It’s all designed to give your wealth the best chance of doing its best for you.
Get in touch
Arrange an initial chat with Simon or Kat to explore how we can help.
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