Your FPC journey

Our process begins with understanding you, your situation, and your needs. This discovery phase is offered at no obligation and at our expense, allowing you to get to know us and how we work. This stage includes:

• Meetings with you and your spouse/partner (if relevant) – we discuss your concerns, aspirations, lifestyle needs, and investment objectives.
• Understanding your personal story – we explore your family and professional history, your business and/or career journey, and your current financial position.
• Introducing FPC’s approach financial planning – learn about our cash flow modelling, our investment philosophy, and how we’ve helped clients in similar situations.
• Exploring opportunities – we explain how we can assist you and provide a clear outline of potential costs and the value we can add.

If you decide to appoint us, we’ll set out the scope of work in a terms of engagement letter, including fees, before moving to the next stage.

Once appointed, we carry out a thorough review of your financial position, clarify and quantify your goals, and set out actionable recommendations. This planning stage has two distinct steps:

Initial Financial Planning

• Adviser and planner meetings – to clarify personal planning objectives.
• Access to FPC View – our secure client portal for document filing and exchange.
• Comprehensive analysis – we review your insurance, investments, pensions, estate planning, and tax position.
• Risk assessment – understand your psychometric risk profile and capacity for loss, ensuring all investment recommendations are tailored to your comfort level.
• Business owner assessment: For business owners, we assess how your business aligns with your personal goals.
• Cash flow modelling: We construct your tailored AIMS cash flow model, giving you an interactive view of your financial future.
• Financial planning meeting/report: We present your AIMS model, discuss high-level priorities, and agree on the next steps.

Implementation

• Formal advice and recommendations – provided for your approval.
• Tailored investment strategy – designed to reflect your objectives, risk profile, and tax position.
• Product updates – surrendering, switching, or transferring existing financial products if needed.
• Insurance arrangements – organised where required.
• Professional partnerships – introductions to trusted legal, tax, or financial experts if necessary.
• Administration support – from completing documentation to providing progress updates, your designated administrator ensures a seamless implementation process.

Because personal circumstances and external factors – like tax laws and economic conditions – are always changing, regular reviews are crucial to keeping your financial plan on track.

We hold formal review meetings at least annually, with more frequent reviews available depending on our agreement and the scale of responsibility.

During your review, we focus on:

• You – addressing any changes in your circumstances, concerns, or opportunities on the horizon.
• Cash reserves – ensuring your cash position remains robust and planning for cash flow delivery from investments or pensions as needed.
• Cash flow modelling – updating your lifetime AIMS cash flow model and monitoring progress against your objectives.
• Investments – reviewing portfolio performance, investment strategies, risk profile, and portfolio holdings.
• Tax planning – making full use of tax allowances to reduce your overall tax burden under current legislation.
• Pension planning – including SSAS where relevant, we advise on future funding, tax strategies, and income delivery.
• Estate planning – ongoing reviews of gifting strategies, Wills, and insurance arrangements.
• Enhanced estate planning – for more complex arrangements like trusts, family investment companies, or charitable foundations.