Our Process.

We have a clearly-defined, thorough and tested retirement planning process, consisting of two main parts.

Retirement Planning Process

1. Initial Retirement Planning Process

This meeting will either be held at our offices or online and will be a chance for us to get to know each other,  to see if we’d be happy working together and also whether we feel we can add value to your situation.

We will gather a high-level overview of your situation and at the end of the meeting if we are a good fit we will discuss the next steps and the fees we would charge should you decide to proceed.

Discovery Meeting

Discovery Meeting

Discovery Meeting

1 - 2 Hours

The 3Ps


1. Person

Building a picture of your ideal future lifestyle is the first and most important part of the retirement planning journey. Here you will start to think about how much this will cost and over what timescales.

Together we will build your master retirement plan using market-leading financial planning software.

The plan will help answer questions you have such as:


  • "Do I have enough money to retire now? If not now, when?"

  • "Can I afford to gift to my children and not run out of money?"

  • "How will my quality of life in retirement be impacted if I retire 2 years earlier than I was planning to?"

  • "Am I taking advantage of all available tax allowances?"

The ultimate goal at this stage is to enable us to finalise and integrate realistic goals and objectives and to display them in a format you understand.

2. Plan

3. Portfolio

Only once we have a well-established master retirement plan do we begin to discuss investments. We thoroughly analyse your existing investments using our evidence-based approach to investment management and make recommendations where required.

This involves taking the time to thoroughly understand your risk appetite and how this fits with the risk required to deliver a successful outcome. We use cutting edge retirement planning software to help us achieve this. If investment changes are required, we will deal with the providers on your behalf to implement the new solutions.

By the end of this stage of the process, you will have an investment portfolio that will help to deliver the returns required to provide a sustainable retirement income.

The value of investments, and the income from them, can fall as well as rise and you may not get back the full amount invested

Discovery Meeting

3 - 4 Meetings

2. Ongoing Retirement Planning Process

Ongoing Financial Planning Process

A retirement plan is similar to a gym membership! If you rarely visit, your chances of achieving your goals are likely to diminish. There are many variables that a retirement plan is is influenced by, including

  • Expenditure

  • Income

  • Health/Longevity

  • Market returns

  • Inflation

And the plan must be frequently revisited to cater for changes in these while ensuring you are still on track.

The Value We Add:

We only engage with potential clients where we feel we can add lasting value that will change their lives for good.

The Value We Add

Initial Retirement Planning Process:


Establishing realistic and achievable goals and objectives

This involves working with our clients to help them identify and establish their financial goals and objectives. We will revisit these as we build the retirement plan.


Thorough analysis of expenditure and budget optimisations

We frequently find that our clients are not aware of how much they are currently spending. We work with them to understand current outflows, how this is likely to change as they transition into retirement and identify where savings may need to be made.


Analysis of current investments and recommendations

Here, we ensure existing and new money is best positioned to help you achieve your goals, making changes where required.


Creation of your master retirement plan

This is where we build a vision of your retirement. We iterate and tweak the plan to ensure your plan is realistic and one that you are comfortable with.

Ongoing Retirement Planning Process:


Providing financial security, clarity and peace of mind

We ensure your objectives and goals continue to remain current and regularly review your progress towards achieving them, including working with you to stick to agreed spending/savings goals.



We offer independent and impartial advice and can act as a sounding board when you are making emotionally driven financial decisions.


Ensuring your retirement savings remain optimised

Taxation legislation is continually changing. ​


We will keep you up to date and make sure that your retirement plan is as tax-efficient as possible.


Sticking to the plan

We use our skills, experience and knowledge to help you to make better financial decisions. ​ For example, in times of market volatility we will strive to ensure you do not make impulsive decisions, showing you that temporary (and history has proven they are always temporary) market drops are the price you have to accept for longer terms returns. ​


We find having a clear set of objectives and a robust retirement plan helps clients to stay on track in times of uncertainty.

Schedule a call:

Our tried and tested retirement planning process is designed to give you clarity and peace of mind.

You can schedule a free introductory call using the link below:

Noel Watson