Your advice journey
Good financial advice is not a single meeting. It starts with understanding you, leads to a clear recommendation, and continues for as long as you need us, so your plans keep up as your life and the rules change.
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. There is no obligation.
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
Four stages, with most of the work done by us. No costs are incurred unless you choose to proceed at Stage 4.
- 1
Gathering information
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 checksWeek 1
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 detailsWeek 1
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
Research and recommendation
2 to 3 weeksWe review everything and prepare our recommendation. Nothing is needed from you.
- 3
Recommendation meeting
About 1 weekWe talk you through it. If you are happy to go ahead, you sign the suitability letter. There is no obligation to proceed.
- 4
Implementation
Up to 4 weeksIf you choose to proceed, we put everything in place. This is the only stage where fees apply.
Ongoing advice: your plan, kept on course
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?”
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.
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.
