Everything working together...
Everything working together...
It's all about you...
Our financial planning process is about getting to know you. The “real you!” It’s about your hopes and dreams.
It’s about those questions you ask yourself and the worries that keep you awake at night:
We get asked these questions daily and we tackle them with a robust and proven planning process to give you the financial clarity you desire.
By combining human empathy with our state-of-the-art methodology, we are able to break things down into a set of clear goals and, most importantly, then put it all together in a financial plan.
A well-constructed financial plan is your SatNav. It's the guidance system that looks for the best route to get you to your destination. It will offer you alternative routes to avoid the roadblocks and let you know if you go off course. Finally, if you fancy a change in direction, you just need to review and update. Once you have one, you wonder why you didn't get one sooner!
Your investments are your engine. You need these to get moving and the performance you require will depend on your journey and desired arrival time. A high-powered engine can deliver fantastic performance but can easily break down from time to time. A safe and reliable one may be less risky but if it can't get you up the hill, it's not right for you either!
The service station resembles the ongoing review. It’s important that everything is checked regularly to make sure you are on course and that everything is working as it should be. Do we need more fuel?... to change a few parts?... or can you afford to put your foot down a bit more?
An open and trusted relationship between you and your adviser is represented by the chassis. It holds everything together and without it, everything falls apart.
Money and Assets are your fuel. Without investing and putting in the fuel you are not going to get very far. It’s also important you take the time to calculate how much you need to cover the distance of your journey. If you burn it too fast you will run out before you get there, don’t use enough and you will arrive late with excess in the tank.
Your financial products are your wheels. They are the part of the vehicle that sets the car in the right direction. Whether it be ISA’s, Pensions or general investments they can be changed to navigate different tax terrains whilst following your planned journey.
The first part of the planning process is usually a relaxed meeting to get to know each other. We'll identify your primary goals and fully explain how our service works. After a few days we will send you a summary of the meeting and a proposal for you to consider.
Step Two of our planning process is where we'll dig deeper. We'll talk about your worries, goals, desired lifestyle and ambitions. We will also look to understand your current financial position, assets, liabilities, income and expenditure.
Step Three of our planning process will take us a good few weeks as, during this stage, we'll work through a series of steps in order to highlight possible solutions, review any existing plans, explore tax efficiency and assess your attitude towards financial risk.
Step Four of our planning process is where we use our analysis to create your bespoke plan. Once finished, we will invite you in for a further meeting.
Step Five of our planning process is where we talk you through the plan, explain how we have come to the recommendations and discuss how these helpyou meet your goals.
Step Six of our planning process is where, providing you understand and are happy with the advice, we will get to work putting the plan in place.
Once the plan is in place, our ongoing Wealth Management makes sure you stay on track and that your plan is reviewed regularly.
Our Method. An exact science.
How we do what we do...
Our process planning approach makes us stand out from the crowd because it leverages the efficiency of cutting-edge technology with the oversight of experienced analysts to deliver both quantitative and qualitative analysis.
Once implemented, each portfolio undergoes continuous monitoring between review points, to make sure it continues to provide the best possible returns for its level of risk.
Taking the rubbish
Taking the rubbish out
We cover all corners of the market and so have many instruments at our disposal. Step One of our planning process is to whittle the list down using a series of rating systems that identify the best funds, the best managers, outstanding groups and investments that inspire long term confidence.
This allows us to create an independent directory free from traditional biases. The list is then validated by an experienced analyst team who independently research each fund.
Setting risk targets & asset allocation…
Setting risk targets & asset allocation
Each Portfolio is given its own volatility target and in addition will have an asset allocation overlaid, using research provided by independent actuaries.
These measurements integrate with our risk profiling tools and this process ensures our investors are always exposed to the appropriate amount of risk for their personal situation.
Once we have our select list and risk targets, we go about running specialist optimisation technology which uses defined targets to construct the most efficient portfolios.
Even working from the select list, there are over 10 trillion possible combinations and the optimiser is designed to find a shortcut to the one that offers maximum diversification.
Constructing the masterpiece…
Constructing the masterpiece...
Once the optimiser has identified the most diverse portfolio for each risk level and time horizon, additional scenario analysis is conducted to ensure the portfolio behaves as it should do in a wide variety of market conditions.
When finalised, the portfolio composition is reviewed and approved by way of an investment committee.
Ongoing review & governance…
Ongoing review and governance...
A governance tool monitors all the funds continuously in relation to risk, performance, behaviour, and structure. Any major issues can be immediately flagged and investigated by an analyst.
All portfolios undergo re-optimisation every 6 months to ensure they are meeting their risk targets and changes are made if necessary. In addition fund replacements are recommended when the systems dictate.
We greatly value our independent status and, as such, when selecting your investments, we only work with market leading actuaries, investment data businesses and performance analysis providers.
To speak to us about our planning process, and
Below are some clips that we hope you might find helpful in seeing what we do and how we do it!
Authorised and Regulated by the Financial Conduct Authority. Registered in England company number 6597644
Telephone: 01243 767 469 | Email: firstname.lastname@example.org | www.lewisbrownleefinancial.co.uk
Appledram Barns, Birdham Road, Chichester, PO20 7EQ£500-£2,000