Hello
What we do
We’re award winning Chartered Financial Planners and we do all the pension, investment and financial stuff you’d expect. But initially our focus is helping you to understand what the essential elements of a fulfilled life are. This helps you create a priority order so you can focus your time and energy on doing first things first.
Once you understand where you want to go, we’ll know how to structure your finances to get the right money coming on stream at the right time, for everything you want to get done in the time you’ve got left. At Proposito it’s always people before products.
Our structured process is called LifePath and it’s split into FOUR distinct stages:
Who we help
We’ve been retirement specialists for a while now. During our time of helping people retire successfully we’ve managed to identify three distinct areas where we can add significant value:
However, as we operate on a fixed-fee basis, we are not limited to who we work with.
If you aren’t sure, then we’re more than happy to talk this through with you.
We the real value of financial planning comes from the incremental improvements to the original plan, compounded over time. Therefore, when we agree to work with you, it’s on the presumption of us providing regular ongoing financial planning advice – as this is where the real value lies. We don’t operate on a one-off, transactional basis. Instead, we go on a journey with you to help you achieve your goals.
Sometimes peoples finances are quite complex. If this is you, then we may work with you to identify the most pressing issues to address and prioritise those first. Less important items can be tackled at a later date.
How much does it cost?
First Meeting
Our first meeting is at our expense and without obligation. You will not need to pay anything for this meeting or commit to moving things forward. It is an opportunity for us to explore your current circumstances and the areas you want to improve by working with us. We’ll also be able to explain a bit about what we do and how we do it.
At the end of this meeting we will quote you an initial fee and confirm this is writing in a Letter of Engagement, which you will need sign in order to move things forward.
Our fees are based on the complexity of your situation. We publish a full breakdown of our fees and their explanations on out website HERE.
As an example, our initial fees for our a typical moderately complex LifePath client would be £4,575 with on-going fees from £300pm.
What happens next?
Now that you’ve learnt all about us, you may want to have a chat with us to explore things in more detail.
The best place to start, is to contact us and arrange an initial call with Jade who can talk through your queries with you and establish the best way to move forwards.
You can contact us in several different ways.
Jade leads on all of our initial enquiries, and you can book a call directly with Jade HERE.
Or you can contact us via any of the following:
A bit of background
Proposito Financial Planning was originally known as Richard Witcombe Financial Advisory Services, founded in 1998 by Richard Witcombe and based just outside Cardiff.
Richard was joined by his son, our principal Financial Planner Huw Jones, in 1999.
We relocated to Malmesbury, Wiltshire in 2006. Sarah Egan then joined us in 2008.
In 2011, we re-branded, changing our name to Proposito Financial Planning, in preparation for Richard’s retirement at the end of 2015.
Jade Shelton then joined us in 2018 and we re-located to our current office in 2019.
In 2022 Anne joined us in the role of Administrator, taking over the admin from Jade who is now a Financial Planner.
The word Proposito has its origins in Latin and means intention, aim or purpose. We believe this reflects the services we provide to our clients: financial planning that is purposeful and intentional, with their goals and best interests at heart.
What our clients say
Our client’s feedback is incredibly important to us, which is why we regularly ask them to provide their opinions on our service. You can discover more about how our clients felt in 2023 here:
Read our 2023 client survey results!
You can also hear directly from some of our clients who were kind enough to share their stories…
