Financial Roadmap Services
Comprehensive Financial Assessment
Our journey with you begins with a thorough financial assessment. We delve deep into your current financial situation, past experiences, and future aspirations. This initial assessment lays the groundwork for a personalised financial strategy tailored to your unique needs.
Long-Term Financial Planning
Based on our comprehensive assessment, we create a long-term financial plan that outlines the ebb and flow of your finances throughout your life. This roadmap is not set in stone; it's a dynamic plan that can adapt to life's inevitable changes, ensuring you're always on the right path to achieving your financial goals.
Investment Advisory
We offer expert investment advice to help you grow your wealth. Whether you're a seasoned investor or new to the world of stocks, bonds, and mutual funds, our investment advisory service is designed to align with your financial roadmap and long-term objectives.
Risk Management and Insurance Planning
Life is unpredictable, and our risk management service aims to prepare you for the unexpected. We assess potential risks that could derail your financial plans and recommend appropriate insurance products, such as critical illness cover and income protection, to mitigate these risks.
Retirement Planning
Retirement should be a time of relaxation and enjoyment, not financial stress. Our retirement planning service ensures that you're well-prepared for this phase of life, with a focus on pension planning, savings strategies, and sustainable income streams.
Estate Planning
We help you plan for the inevitable, ensuring that your assets are distributed according to your wishes. Our estate planning service includes will preparation, trust setup, and inheritance tax planning.
Ongoing Support and Review
Financial planning is not a one-off task but an ongoing process. We offer regular reviews and updates to your financial roadmap, adapting the strategy as needed based on life changes, market conditions, and financial trends.
These services are designed to offer a holistic approach to financial planning, covering all aspects from initial assessment to ongoing support. Each service is aligned with our core mission of empowering individuals to navigate their financial futures with confidence and clarity.
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How Financial Roadmap Operates
Initial Consultation
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The first step in our process is an initial consultation, which is usually a face-to-face meeting, although it can also be conducted virtually. During this session, we aim to understand your financial situation, goals, and any concerns you may have. This is a no-obligation meeting designed to establish whether we're the right fit for each other.
Comprehensive Financial Assessment
If you decide to proceed with our services, the next step is a comprehensive financial assessment. This involves a deep dive into your current financial standing, future aspirations, and any potential risks. We use this information to tailor a financial plan that aligns with your unique circumstances and objectives.
Strategy Development
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Once the assessment is complete, we move on to the strategy development phase. Here, we don the first of our 'three hats'—that of understanding your needs in depth. We then put on our second hat to create a long-term financial plan. This plan serves as your financial roadmap, outlining the steps needed to achieve your goals.
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Product Selection and Implementation
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After the strategy is agreed upon, we put on our third hat—that of implementing the plan. This may involve setting up various financial products like investments, insurance, or pension plans. However, it's important to note that our focus is not on selling you products, but rather on selecting the tools that best fit your financial strategy.
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Ongoing Monitoring and Review
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Financial planning is an ongoing process that requires regular monitoring and adjustments. We schedule periodic reviews to assess the performance of your financial plan and make any necessary adjustments. These reviews can be triggered by significant life events, market changes, or at regular intervals, such as annually.
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Client Support
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Throughout this process, we offer continuous client support. You'll have access to our team for any questions or concerns you may have. We also provide educational resources to help you better understand your financial situation and the choices available to you.
Our operation is built on a foundation of transparency, expertise, and a genuine desire to see you achieve your financial goals. At Financial Roadmap, we're not just your financial advisers; we're your partners in financial success.
Why Financial Roadmap Is Different
The 'Three Hats' Approach
While most financial advisors offer a standard set of services, we operate under a unique 'three hats' approach. The first hat involves deeply understanding our clients' financial situations, goals, and concerns. The second hat focuses on creating a bespoke, long-term financial plan. The third hat is about implementing that plan through carefully selected financial products. This comprehensive approach ensures that we address every facet of your financial life.
Strategy Over Products
Many financial advisory firms focus on selling financial products as their primary service. At Financial Roadmap, we believe that financial products are just tools in a broader strategy. Our primary focus is on creating a comprehensive financial plan tailored to your unique needs, ensuring that any products we recommend align perfectly with that plan.
Transparency and Integrity
In an industry often marred by hidden fees and conflicts of interest, our commitment to transparency and integrity sets us apart. We are upfront about our fees, and our success is measured solely by your success. Our aim is to build a long-term relationship based on trust and mutual respect.
Expertise and Experience
With over eight years in the field, Financial Roadmap brings a wealth of expertise to the table. Our team is committed to continuous learning, staying up-to-date with the latest financial trends, regulations, and tools. This ensures that the advice you receive is both current and well-informed.
Client-Centric Focus
We believe that every client is unique, and we are committed to providing personalised service. From the initial consultation to ongoing support, our focus is on you. We take the time to understand your specific needs, aspirations, and concerns, which allows us to provide advice and solutions that are truly tailored to you.
At Financial Roadmap, we're not just another financial advisory service. We're a partner committed to helping you navigate your financial journey with confidence and clarity. Our unique approach, focus on strategy, and commitment to transparency and integrity make us the ideal choice for those looking for a different kind of financial advisory experience.
What Our Clients Say
Sarah
"If you're considering working with a Financial Roadmap Coach and you're not sure whether to take that first step, all I can tell you is that Steve provided me with the tools and a framework that has put my life in perspective. I have been able to commit to my future plans in 3 months, where previously i had procrastinated for years!"
Resources
Which? Money Newsletter
Money newsletter – sign up; it's free. Be more money savvy – navigate rising costs with Which money-saving tips. Get expert tips every week for free from Which Money Magazine.
FREE Asset Audit
Free diagnostic tool from London Business School to get a snapshot of your tangible and intangible assets. Most people take around 5 minutes to complete this survey.
Money Helper Calculators
Money Helper's easy-to-use calculators can help you budget, save and cut back on costs. They can help you find regulated financial advisers, find out how much you might have in retirement, tell you how much extra money you need for your baby and much more.
Life Expectancy Calculator
Discover your life expectancy and the likelihood of living to 100 years old with this interactive calculator from ONS. Gain insights into your future and start planning for a long, healthy, and fulfilling life today.
Longer Lifestyle Book
Transform your retirement with the free book, "Longer Lifestyle by Design" by Canadian Retirement Coach Mike Drak. Achieve wealth, health, and happiness in retirement.
Live Longer Better Course
Sir Muir Gray's Living Longer Better Programme. We recommend the peer option. To access the course, click on the button below, the code LIFEPLAN20, at check out for the Live Longer Better course and a 20% discount will be applied.