Helping you to overcome current challenges, achieve financial security and enjoy life.
Financial Planning is the process of developing strategies to help you manage your financial affairs, overcome your current concerns and achieve a secure future for you and your family.
As Financial Planners, we look beyond your challenges, creating a plan that has your goals, dreams and ambitions at the core, developing a financial strategy that not only solves pressing issues, but equips you with the ability to achieve all you want from life.
We build your Financial Plan with you, not for you. After all, it’s your financial future.
We follow a six-stage process to address your present concerns whilst planning for the future.
Our first meeting will involve two things: assessing your current financial situation and, more importantly, getting to know you, your goals and objectives. We’ll collect the basic information we need from you about your current financial situation to get an initial idea of what you have, so that we can propel you to where it is you want to be.
We want to get to know you as a person: what’s important to you, what makes you tick, what are your goals for your family and your finances? Our initial meeting is therefore an opportunity for us to get to know you and your objectives, and the start of a long-term relationship.
We'll then complete our research. We’ll get in touch with the organisations involved in your pensions, investments and savings. We’ll also analyse your cashflow and assets, establishing where there could be room for improvement. Our analysis will provide a complete picture of your financial situation, your accumulated wealth and its distance from where you want to be.
Once we have the information we need and a full picture of your financial situation, we’ll match this to what you have told us about your goals and your vision for the future. Using financial planning software, we will show you how to get there.
We’ll then meet again to present our recommendations to you. We’ll answer any questions, address any concerns you may have and make any necessary adjustments until you are completely happy with the plan we have created.
A plan is only as good as its implementation. Our team will complete the work to implement the plan. Where necessary, we’ll complete any paperwork, liaise with product providers and discuss your new plan with any trusted professionals you may be working with, such as your accountant or lawyer.
Life can throw curveballs our way. Your goals and needs will evolve, often in a way you didn’t foresee; for example, through illness or divorce. Therefore, your plan will need to change to accommodate. We will constantly review your plan, with regular meetings to ensure you’re on track to achieve your goals.
LifePath is our comprehensive financial planning service, designed to provide you with an integrated strategy that accounts for all elements of your financial situation: investments, savings, pensions, tax and estate planning.
Our LifePath service will provide you with a strategy to propel you from your current financial situation to where you want to be. This strategy will be created by our expert team of Financial Planners, who will translate your existing wealth profile into a financial plan. Not only will this plan show you exactly what you have, but it will also include recommendations as to how best you can achieve your goals, in both the short and long-term.
We’ll discuss our recommendations with you in person, answering any questions or queries you may have and making any necessary adjustments. Our LifePath service doesn’t just provide you with a plan on a piece of paper; we transform your plan into reality through careful implementation, dealing with your pensions, savings and investments so that you don’t have to.
This is then followed by an ongoing review service. If your needs or goals change, so can your LifePath. We’ll be there to get you back on track, no matter what.
Talk to us now on 01285 708444
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Following an inheritance, we needed advice on how to make best use of the money. We engaged Proposito because Huw and the company had an excellent reputation, and we were not disappointed. Huw took time to understand our financial situation, our goals and aspirations, and helped us put a plan in place which would help achieve these. We are confident that, with Huw’s help, we have made good investment choices and we value the annual meetings that ensure we are still on track.
“I needed a financial advisor as I was finding that my funds were just being left in bank accounts, and whilst very safe I was not achieving any growth. I do not have the personal knowledge on investment, and wanted to be able to work with a small team where I could get one on one service. I have had Financial Advisors previously from larger companies and found that staff kept changing so I never had a consistent relationship, and also they were very keen to sell me new policies to start with and then the level of service dropped off.
Russell Haworth was known to me and I liked the way he presented his recommendations. He has made me think about the investments and made me feel much more in control of my overall finances. Sitting down and actually working out how much you spend each year makes you think what you will need in the future. The computer programme which shows your income and costs year by year is brilliant, and allows you to ask the “what if” questions and get almost immediate answers.
It is great to be able to openly discuss your future plans, and it makes you think about things properly. I have been very reassured about my future, and in the event there is an unplanned change I feel confident that my finances are in safe hands.”
“Due to the bewildering amount of financial legislation and financial planning options that seemed to be available to us when searching online we felt like we needed some guidance. For 14 years now Huw has done a fantastic job of highlighting the issues we have needed to consider (be they in relation to pensions, forward planning, investment or taxation) and presenting our various options in streamlined and coherent way. As a result of Huw’s advice we now feel on top of our finances with a secure financial future and a plan in place that is regularly revisited and revised.
Huw has also been very diligent assessing our attitudes to risk over the years and has taken that into consideration at all times when advising.
He (& Proposito) have always provided an efficient service, the staff are personable and helplful and queries are dealt with impressively quickly.”
