How we work

It would be helpful if you could bring along to this meeting, details of any policies, schemes, investments, mortgages, financial outgoings, wills, interests in trusts that you already have.

Analysing your requirements

  • Where necessary, we’ll forward your authorities to obtain additional information from the relevant product providers. We may also need to contact you for further information and ask your permission to liaise with your other professional advisers (e.g. accountant, solicitor).
  • Once we have all the necessary information in place, we’ll undertake our research to assist us in identifying appropriate plans and solutions which will help you to achieve your objectives. As part of identifying appropriate solutions, we take into account areas such as:
    • Your attitude to and understanding of the risks involved
    • Timescales relevant to your objectives
    • Appropriateness of products and investments, including types of fund, where these are invested and how these fit with products or investments you may already hold
    • Tax-efficient investments and planning – we’ll try, wherever possible, to consider tax-efficient opportunities and, in this respect, we may need to liaise with your tax advisers (please note that the Financial Conduct Authority does not regulate tax advice).
    • Costs and charges
  • One of the most visual ways to help you plan for your financial future is by using cash flow modelling technology. Using our cash flow analysis system, we will input information about the current value of your investments and apply relevant assumptions about things like investment growth rates and key life events to create detailed and precise cash flow models based on your individual circumstances.
  • We’ll set out our recommendations in a financial planning report.

Our Second Meeting

  • Depending on what we agree, we’ll send you our report to review or we’ll arrange to meet again and discuss it.
  • Depending on your circumstances, you may want to invite other parties to this meeting such as your spouse, your children or other professional advisers.
  • Our report will outline your current position and detail our professional observations and recommendations.
  • In developing our recommendations, we’ll always look to agree a solution for you that strikes the right balance between your financial needs and objectives, and the amount of risk you are prepared and able to take in achieving them. Sometimes that means you’ll need to compromise, and your adviser will be able to identify where that is the case and build it in to your plan.
  • The report will also contain the supporting information behind our recommendation, including where applicable, illustrations and brochures for any financial products recommended.
  • The costs associated with our recommendation(s) will also be confirmed in our report. If further meetings are required these will be discussed and agreed.

Implementation

If our recommendations involve putting in place any financial products, once we have received your instructions, we’ll forward the completed application forms and payments on your behalf.

Ongoing support

We’ll agree with you at this stage whether we’ll provide any ongoing services, what those services will include and the cost of those services.

We appreciate that sometimes you may just be looking for help in a particular area on a one-off or ad hoc basis, and that’s fine. However, our optional ongoing services are designed to ensure that your financial arrangements stay on track to meet your financial goals.

What our clients say

The majority of my time has been spent running a business and concentrating on making the correct day-to-day decisions; it was essential for me to gain advice and guidance. Phill and his team at RPG have been able to guide me and provide a balanced portfolio. Without turning to RPG, I would have been unable to arrange my long-term financial future. They have a vast amount of knowledge and have produced the results essential for when I decide to retire.

John S, Shropshire

Director

Get in touch

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