At Future Start, we want clients and prospective clients to get value out of their interactions with us every step of the way.

With this in mind, the first two steps of our planning process are conducted at our expense. All it will cost you is your time.

At the end of Step Two, the information that you have provided shall be assessed and a proposed course of action suggested. We shall outline our recommended actions in a follow up meeting, usually held on Microsoft Teams, although it can be held at our offices if preferred, followed by a summary email.

At the end of the follow up meeting, we will agree the scope of work that you wish for us to complete.  We shall also agree our fee for completion of that work.  Once we have your agreement to proceed, from Step Three onwards, our work becomes chargeable.

Following your ‘Initial Chat & Introduction’ meeting with our Financial Planning specialist we shall send you a copy of our Discovery  form to record information about your circumstances in addition to our Data Protection policy for signing.

Upon receipt of your completed Discovery form we shall review the information and arrange a further meeting with our Financial Planning specialist Jonathan Willis, usually held on Microsoft Teams, although it can be held at our offices if preferred.

The purpose of this next meeting is to discuss the information in the Discovery form and fill in any missing information that is needed. Jonathan will outline proposed actions and a summary of these will be sent to you by email following your meeting.

During this meeting, the scope of work that you wish for us to complete is typically discussed and agreed.  We shall also agree our fee for completion of the work. Once we have your agreement to proceed and you have signed our Terms of Business, it is at this point our work becomes chargeable.

This step is for us to complete and includes:

• Construction of a written financial plan designed to achieve your objectives and/or highlighting shortfalls where they exist
• Production of a financial forecast reflecting your current situation and your situation post our recommendations
• Recommendation of an asset allocation model that matches your investment risk profile
• Liaising with existing providers to gather relevant information to make our assessments
• Assessment and suitability of any existing investments
• Trusts and tax planning opportunities considered and recommended
• Research and recommendation of all providers suitable for your financial plan with reasons why and background information on each
• Supporting documentation including guides and key features booklets for each recommended solution
• Our final agreed recommendation shall be set out in a personalised recommendation letter

Once our recommendations are prepared, we shall arrange a final meeting with our Financial Planner, Jonathan Willis.

The purpose of the final meeting is to:

• Explain our recommendations to you
• Answer questions you may have

One we have your agreement to proceed, we will prepare all relevant paperwork to implement your plan.

A great deal can happen in a year, from changing tax legislation to changes in personal circumstances and with that in mind we offer an optional ongoing service to our clients.

On the anniversary of your relationship with Future Start we shall get in touch to review your position.

The ongoing services include:

• Online access to your financial arrangements advised through us
• Frequent portfolio updates
• An annual strategy review meeting to ensure you are still on track to achieve your goals and to make any tweaks and changes where necessary, including updating you on changes to legislation or tax that could affect your plan
• Ongoing monitoring and due diligence on the providers and investments that we have recommended
• Regular communication and market updates
• At the three-month period following implementation of your plan we will get in touch to see if you have any questions or whether you need any assistance getting logged on to your online account
• If you have a highly complex plan we will make contact with you at regular intervals throughout the year

We love to hear from our clients, so should you have any questions throughout the year, simply call or email and one of the team will be happy to chat with you.