Your Client Journey
Taking you from where you are to where you want to be
The BetterLife way
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Understand you
We start by taking the time to understand you - where you are now, how you got here, what matters most, and what you want your life to look like. Life’s not a rehearsal. So we focus on what you want to do with the time you have.
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Create your plan
Once we understand your life, we build the financial plan to support it. We’ll show you what’s possible, when you can afford to stop working, and how to structure your pensions, savings and investments so you can live with confidence.
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Ongoing Advice
Life doesn’t stand still, and neither should your plan. As your circumstances change - retirement, business sale, inheritance, family milestones, we’ll adjust your plan with you. You’ll always know where you stand, and that you’re still on track.
Our simple six step process
Before we begin the process, we start with an initial meeting at our expense.
This gives us the opportunity to get to know each other and for you to understand who we are and how we work. It’s also your chance to tell us about you. We’ll talk about your current situation, what you’d like to achieve, and anything that may be on your mind.
By the end of this meeting, we should both have a clear sense of whether we’re the right fit to work together. If we decide to move forward, we’ll then guide you through our simple six step process.
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1. Secure onboarding
You’ll be invited to our secure client portal where you can safely complete your fact find and provide the key details about your finances. This includes information about existing pensions, investments, savings and protection policies.
Once we have this information, we’ll contact the relevant providers and begin gathering the technical details we need. This forms the foundation for the research and planning work that follows.
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2. Discovery meeting
This is a deeper conversation where we really get to know you. We’ll talk about your current situation, your priorities, and what you would like life to look like in the years ahead.
We’ll explore what you’re trying to achieve, when you’d like to achieve it, and what matters most to you. The aim is to understand not just the numbers, but the life those numbers are there to support.
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3. Research and planning
With the information gathered, we carry out detailed analysis of your existing arrangements. This includes reviewing pensions, investments and other financial plans to understand how they are currently working for you.
Alongside this, we begin building your financial plan. This involves modelling different scenarios and developing a strategy designed to help you achieve the outcomes you want.
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4. Plan discussion
Once the initial plan is ready, we’ll meet again to walk through it together. We’ll explain what we’ve found, how your current position looks, and how the proposed strategy is designed to support your goals.
This meeting is also your opportunity to ask questions and share your thoughts. If anything needs adjusting, we can refine the plan together before it is finalised.
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5. Written report
After we’ve agreed the direction, we prepare your full written financial plan. This document sets out your current position, the strategy we’ve developed, and any recommendations in a clear and structured way.
It provides a detailed record of the advice and the reasoning behind it, giving you something you can return to whenever you need.
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6. Presenting your plan
We present the final plan and confirm the agreed recommendations. This ensures you are comfortable with the approach and understand the steps involved.
Where appropriate, we then begin implementing the recommendations, putting the agreed strategy into place and helping you move forward with confidence.
The Financial Conduct Authority does not regulate Cashflow Planning.
The value of Pensions and Investments and any income from them can fall as well as rise. You may not get back the full amount invested.
What our clients say
“Toby has helped me see the wood for the trees! He really took the time to understand my current lifestyle and to understand what I want from my retirement and has then come up with a plan that will, hopefully allow me to retire earlier than I hoped.”
You can read more of our verified 5 star reviews on the VouchedFor website
Ready to start your journey to a BetterLife?
☎ 01326 33 33 55
✉ toby@betterlifefp.co.uk
Or fill out our contact form
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