Your advice journey
Good financial advice is more than a single recommendation. It starts with understanding you, leads to a clear plan, and continues for as long as you want us, so your plans keep up as your life and the rules change.
Your journey with us, step by step
Initial meeting
A relaxed video call to understand where you are now, what you want to achieve, and whether we are the right fit for you.
What we cover
- Your current position: income, savings, pensions, investments and property
- What matters to you: retirement plans, family, security, passing on wealth
- How we work, the services we offer, and our fees, explained clearly up front
- Any questions you have, answered without jargon
What happens next
After the meeting we send a short presentation summarising what we heard and how we could help. If you would like to carry on, we move to preparing your recommendation.
Preparing your recommendation
Most of the work is done by us.
No charge for your recommendation. Fees apply only if you wish to proceed with our recommendations.
- 1
Your full picture
Around 4 weeksYour part is mostly done in the first week. The rest is waiting for your providers to reply.
AComplete your online forms and checksIn the first week
Client portal and fact find, risk questionnaire, ID check by text link, and our fees and services document to review and sign.BAuthorise us to obtain your plan detailsIn the first week
A signed Letter of Authority lets us request information only. Nothing is changed or moved.CReview meetingWeeks 2 to 4
We go through your fact find and risk profile and agree your goals, time horizons and a suitable level of risk. - 2
Our research
2 to 3 weeksWe review everything we have gathered, build your cashflow model and prepare your personal recommendation. Nothing is needed from you.
- 3
Recommendation meeting
About 1 weekWe walk you through your recommendation and cashflow model. Is it suitable for you? Is everything clear? Does it help you reach your goals? Only when you are happy do we move to implementation.
- Your decision
No charge for your recommendation. Fees apply only if you wish to proceed.
Making your plan a reality
We handle the transfer with your current providers.
If you choose to proceed, we put your recommendation in place. Fees apply only if you wish to proceed with our recommendations.
- 1
Your new platform contacts your providers
Week 1We set up your new platform, and it contacts your current providers on your behalf.
- 2
Your money and funds transfer across
Weeks 2 to 4This can take up to four weeks, depending on your current providers. We keep you updated throughout.
Keeping your plan on track
Ongoing advice is optional. Markets move, tax rules change and so does your life. Regular reviews keep your plan working for you, so you can get on with living with confidence.
What ongoing advice gives you
Confidence you are on track
Cashflow modelling at each review shows where you are heading, answering questions like “can we retire at 60?” Watch how cash flow modelling works
Tax efficiency, year after year
We make the most of your ISA, pension, capital gains and dividend allowances, and respond to each Budget.
Investments at the right level of risk
We review performance and rebalance, so your money keeps working at the level of risk you are comfortable with.
More passed on to your family
Inheritance tax planning through gifting, trusts and up-to-date wills and lasting powers of attorney.
Your family protected
We check your life, income and critical illness cover still matches your needs.
A plan that moves with you
Retirement, marriage, an inheritance or selling a business. We update your plan as life happens.
What we keep an eye on for you
A good plan can drift over time without anyone noticing. Our reviews catch it early, while there is still time to act.
- Your investment mixDifferent assets grow at different speeds. We rebalance to keep your risk where you agreed it.
- Changes to the rulesFor example, from 6 April 2027 most unused pension funds will count towards your estate for inheritance tax. We plan ahead for changes like this.
- Allowances you can useMany allowances are use-it-or-lose-it each tax year. We help you make the most of them.
- Frozen tax thresholdsAs your income and assets grow, more can fall into tax. We spot it early and plan around it.
How a portfolio drifts
Illustration only: a 60/40 portfolio over five years, assuming shares grow 9% a year and bonds 3%. Not a forecast; actual returns will differ.
Your life will change. Your plan should too.
Ongoing advice keeps your investments at the right level of risk, makes the most of every allowance, and adapts your plan as the rules and your life change, so you never have to wonder whether you’re still on course.
Arrange your initial meeting
Held online by video call, at a time that suits you. Call 0208 611 2521 or 01252 411 851, or email info@comptonfinancial.co.uk.
