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How we work
Our five-step approach recognises that life is a journey. For that reason, we work with clients over the long term, tailoring our services to your changing circumstances, goals and needs.
Together, we’re on a path to success
We believe that good-quality, ongoing financial planning will underpin your journey and provide the financial security, peace of mind and sense of wellbeing that is essential if you are to achieve your goals and make the most of all the opportunities your life presents you.
Your needs and goals will, of course, be unique to you, meaning the service we provide is slightly different for everyone. However, it typically covers:
Wealth management
Retirement planning and pension structuring
Investment portfolio management
Investment advice
Inheritance planning and wealth transfer advice
Family and business protection
Tax planning and advice
Corporate pension advice and administration
Mortgage broking
Step 1
Understanding if we can help you
Whatever financial challenges you are facing, we’ll start our journey together by asking you key questions about what you want to achieve and what your long-term lifestyle, family and business or career goals are.
Of course, we’ll ask you a bit about your finances and any concerns you currently have, but we like to place these in the context of your long-term aims from the very start. That’s because we don’t believe security, happiness and comfort come from numbers on a page or quick fixes; they come from knowing your wealth can support you now and in the future.
Step 2
Taking stock of where you are
If you choose to continue working with us and we believe we’re the right team to help you achieve your goals, we’ll arrange a second meeting where we will get to the heart of your vision for your future and gain a deeper understanding of your current financial arrangements and positions.
Step 3
Research and analysis
With the detailed information we have gathered, we will begin working on the creation of your personalised financial plan. With the help of sophisticated cashflow planning technology, we look at all your current savings, investments and pension plans, calculate the value of your assets, and project their future potential value using specialist software.
Our team will then carefully evaluate the various options available to you to optimise your chances of reaching your goals in the time frame you would like.
Step 4
Presenting and implementing your plan
At our next meeting, we’ll present the results of that research and analysis to you in the form of a comprehensive plan that clearly illustrates our conclusions and how we reached them. The plan will include a range of potential scenarios to consider, showing you the likely impact of each on your finances and chances of reaching your goals. We’ll allow plenty of time for discussion and for you to ask any questions.
Should you wish to move forward with the recommendations we make (and there’s no hurry to make a decision on this at the meeting), we’re here to take away the administrative burden and liaise with providers on your behalf. We’ll keep you in the loop every step of the way, however.
Step 5
Keeping you on track
Life doesn’t stop at the point where you make a financial plan. Your life and the world around you will keep evolving and changing. For that reason, we encourage clients to view their financial plan not as a static document but as something that must be regularly reviewed. If your life alters or the economic winds change direction, we react quickly to ensure you remain on the best possible course to reach your intended destination.
With an ongoing relationship, our clients tell us they get a great deal of comfort from knowing we are by their side, always here if they need to talk something over or ask us a question.
The team has expert knowledge of pensions and investments. They are always available and highly professional in their approach, and I have always trusted their judgement and advice. I would highly recommend them to anyone looking for financial advice.
Lifesteps conducted thorough research and met with me on a number of occasions before they offered me any advice. I am very happy that the portfolio they’ve recommended is suitable for my risk profile and liquidity needs. The level of service and communication post-investment is equally impressive and very reassuring.
My pension set-up was very complex, but thanks to the expert knowledge of the team at Lifesteps, I’ve managed to navigate the transition from pre-retirement to post-retirement with minimum fuss. This has given me a great deal of financial comfort.
I have been dealing with the team at Lifesteps for the last 10 years, and in that time the level of service and attention to detail has been second to none.
Our mission
Our mission is to help you achieve your financial goals throughout your life by providing you with our knowledge, education, experience, and exceptional service levels.