Financial Adviser Newton Stewart, Wigtownshire ~ Financial Planning Newton Stewart, Wigtownshire
Financial Advice Newton Stewart, Wigtownshire ~ Pensions Advice Newton Stewart, Wigtownshire ~ mortgage advisers Newton Stewart, Wigtownshire

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Tel: 01671 403080

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How We Work

Many people have goals and dreams, but a goal without a plan is just a wish... an achievable goal is a dream with a deadline ...

Here's how we formulate the plan towards your goals:

Phase 1 - About You

We meet together to discuss your personal circumstances and your current financial situation. We'll go into detail so that we can draw up a complete picture of where you are now, and where you want to arrive. We'll ask about you, your occupation, your savings & investments, your mortgage, your current liabilities and your tax position, and we'll explain how all of this information builds a profile which will help us to formulate our plan.

Phase 2 - Your Goals & Ambitions

Next we discuss your objectives and your aspirations, as well as any concerns that may arise. We'll discuss risk and reward, and your attitude towards investment risk, as this feedback from you will enable us to construct an investment portfolio which is a major part of the plan. You'll see as we move forward in our discussions how all this fits into place in your personal plan and agree the likely cost for our advice.

Phase 3 - Analysis

We'll discuss with you our analysis of your current position, and outline our initial thoughts for the plan. We'll present our recommendations and actions required for you to potentially achieve your goals.

Phase 4 - How to get there

So now we know where you are and where you want to be. In this phase we present your Personal Financial Plan which maps out the journey to your destination, and we establish the most suitable and most time efficient route to potentially get you there. We discuss with you your current income and expenditure, your assets and liabilities, and how your existing finances can be utilised towards the achievement of your financial goals. Your Personal Financial Plan will also agree the cost of achieving your objectives, and now we ask your approval and confirmation of the plan.

Phase 5 - Implementation

It's time to implement the plan. Every course of action we have recommended and agreed with you is now put into motion.

Phase 6 - Review the Plan & Progress Updates

If required, review dates will be agreed and can take place annually or more regularly if required or requested, ongoing fees will be agreed as to which service level is required. The purpose of regular monitoring of your Personal Financial Plan is to enable you to clearly see progress towards reaching your financial goals, and for us to make any course adjustments that may be required. Working closely with you we will explain overall how the plan is going and agree with you any modifications to keep it on track towards the achievement of your goals.

THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

TAX ADVICE IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

TAX TREATMENT IS BASED ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.



General Enquiry
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Company address:
Marr Financial Services Ltd, Central Office, 61 Victoria Street, Newton Stewart, Wigtownshire, DG8 6NL
T: 01671 403080
F: 01671 402549

Email: advice@marrfinancial.co.uk

Registration address as company address
Registration number: SC275449
Registered in: Scotland

Marr Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

Marr Financial Services Ltd is entered on the Financial Services Register (http://www.fca.org.uk/register/) under reference 705884.

The FCA do not regulate National savings products, loans, Will writing, Commercial Mortgages and some forms of buy to let mortgages and inheritance tax planning.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Telephone: 01671 403080 | advice@marrfinancial.co.uk

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