How we work

At HJS Financial Planning, our advice is always provided in the context of our clients’ individual requirements. This means that we always adopt a simple-to-follow, six-stage process.

  • Firstly, we undertake an initial consultation which is designed to help us gain an understanding of our client’s goals as well as their aspirations. This helps us to establish what sort of services will be the most appropriate on a case-by-case basis.
  • Secondly, we engage in fact finding which helps us to individually tailor our approach. Typically, this would help us to understand things such as a client’s attitude to risk or ethical considerations, for example. In other cases, it might be to establish if retirement planning or wealth accumulation are personal priorities. This first two take place at the same time usually
  • Thirdly, we conduct further research and analysis. Before proceeding with proposals concerning future financial plans, we must perform research into the current financial market to establish what products and services are available that will best meet our clients’ priorities.
  • Only after our knowledge gathering stages do we proceed with the fourth step – making recommendations. Financial planning recommendations are made in the form of a report which allows our customers time to reflect and to make sure that the proposals are right for them.
  • The fifth stage of our process is to implement the agreed actions on behalf of our client. This might range from things like making any agreed investments to changes in pension plans or contributions. Where appropriate, it may also involve actions to do with tax and inheritance changes to maximise monetary potential.
  • The final stage of the process is to provide ongoing service reviews. This means checking that any financial products, where entered into, remain the best choice given our client’s particular needs, for instance. It also involves making renewed assessments to ensure that their priorities have not changed since we last met.

 

How can HJS Financial Planning help you?

To find out more about our services and how we can help you reach your financial goals call us on 02380 920128 or make an enquiry. 

We look forward to hearing from you. 

Get independent advice today!

Looking for independent financial advice? 

Contact the team today on 02380 920128 or make an enquiry here.


 

Personal Finance

The outlook for Britain's housing market is darkening fast ahead of Brexit, with sales expectations falling to their lowest level in at least 20 years by one measure, surveys showed on Thursday.
- Lenders in Britain expect demand for mortgages and credit card lending to fall by the greatest extent in several years, a Bank of England survey showed on Thursday, adding to signs of an economic slowdown before Brexit.
British inflation hit its lowest in nearly two years in December as fuel prices fell, leaving the Bank of England under no pressure to carry on raising interest rates as uncertainty over Brexit dominates the economic outlook.
The cost of a comprehensive motor insurance policy fell 6 percent in Britain in 2018, according to a survey, which indicated potential trade barriers brought on by the country's looming exit from the European Union would hurt prices in 2019.
Big British banks have been criticised by lawmakers for pressing ahead with plans for a new complaints service for small firms wronged by lenders, which they argue is too soft.