How We Work
- Bespoke financial planning tailored to your specific requirements, reviewed and modified over time
- The benefit of our years of experience and knowledge
- Independent research and efficient administration backed up by the latest technology
We offer the following advice options:
- Execution only – for one off transactions instructed by you
- Limited advice – approaching limited aspects of financial planning
- Full advice – full financial review based on all aspects of financial planning
Full Advice – a ‘Comprehensive Plan’
We aim to provide all our clients with full and comprehensive advice rather than limiting it to one aspect or product. This means that we will consider how all your plans and investments overlap and interact with one another in order to formulate the most efficient strategy for your needs. This is often summarised as “holistic” planning.
To provide comprehensive financial planning and wealth management advice, we follow a 5 step comprehensive and robust process as follows:
Step 1: Exploration & Discovery Meeting
We will normally meet with you face-to-face at our expense in order to capture important information about your current circumstances, your financial history, and your aspirations, priorities and objectives. We also discuss what you currently have in place to see how it helps you now and in the future.
The consultation will close with a summary and our suggested next steps toward a tailored and realistic solution. With your agreement, we will move to Step 2, however, should you not wish to proceed, there is no obligation to and no costs will have been incurred.
Step 2: Research & Analysis
We will undertake the process of thoroughly analysing your current position once you have formalised your permission. We will contact your existing providers to obtain the information we need to gain a better understanding of your current arrangements. Together with our knowledge of your current circumstances, we will move to Step 3.
Step 3: Presentation of the plan
We will arrange to meet with you to discuss our recommendations in full and take you through our advice step-by-step. Once we have agreed on the best strategy, we will formalise, in writing, the next steps.
Step 4: Implementation
We will complete all of the relevant forms and ensure your applications are processed in an accurate and timely manner.
Step 5: Ongoing Review Service
We will arrange to meet you on a regular basis to review your financial plan. If necessary, your plan will be amended to ensure your objectives remain attainable.
Our aim is to build ongoing long term relationships but engaging us to provide you with an ongoing service is OPTIONAL. However, it is important to emphasise that, in the absence of a specific agreement to provide you with ongoing services, any investment or pension portfolio will not be monitored.
Hamblin-Martin Financial Ltd is an appointed representative of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority (FCA).
Hamblin-Martin Financial Ltd FCA No: 711323. Registered Office: 5 East Park, Crawley, RH10 5AN.
Hamblin-Martin Financial Ltd. Registered in England and Wales No. 9630529.
The Financial Ombudsman Service (FOS) is available to sort out individual complaints that financial services businesses and their clients are unable to resolve.
To contact FOS please visit: www.financial-ombudsman.org.uk.