We put you at the centre of everything we do. Our innovative and structured approach to wealth management and financial planning delivers a bespoke plan for each and every client providing peace of mind that you can live your desired lifestyle. Our highly experienced Financial Planners work with you to deliver a personalised financial strategy to achieve your plan.
This plan is based upon your attitude to risk we will take time to establish and agree the level of risk with which you are comfortable. We will also help you to establish your aims and objectives i.e your financial goals and create a Cash Flow Model to show you how achievable this is.
Cashflow modelling is a financial planning tool which allows you to see how your retirement plans need to be funded, so that you can make sure you have the right provisions in place now, to ensure that your cash doesn’t run out later.
Cashflow modelling is a facts-based analytical process which is driven by you. Our discussions with you will allow us to create a graphical representation of your lifetime cashflow. You will be able to make factual decisions about how much you need to contribute to your pension.
Here are some examples showing how you can visualise the consequences of pension funding decisions: Cashflow Modelling examples
When we meet with you, our process will be as follows:
Engage, including initial Discovery Meeting
We offer an initial meeting at our offices or your home at our expense – allowing us to discuss your situation and how we might work together.
Following the Discovery Meeting we start to research the market in order to identify suitable solutions that will address your aims and objectives, within your stated and agreed tolerance for risk if applicable.
Providing reports, financial healthchecks & forecasts
We will prepare a financial report to give an overview of your current financial situation, how likely you are to meet your financial goals and how our recommendations may improve your position.
We will match specific products and providers to your needs by making personal recommendations accordingly. We may also recommend our platform service for arranging, safeguarding and administering your investments.
Once agreed, we will make the necessary arrangements with the product provider(s) and/or platform service provider on your behalf to set up your personlisd recommendations.
Our complete financial planning service will provide you with agreed regular reviews to ensure that both the underlying investment strategy and the products continue to meet your requirements.
The Retail Distribution Review And Our Service To You
The value of financial advice cannot be underestimated and making the right decisions about your finances is now more important than ever.
As of January 2013 a new set of regulations came into being, setting higher standards and greater peace of mind for investors, key changes include:
At Norris and Fisher we have a clear charging structure which we explain to all our clients and you can pay our fees either by cheque or by agreeing to have our fee deducted from the investments we manage on your behalf.
All of our financial planners at Norris and Fisher are highly qualified and hold the required Diploma meaning you can be reassured that our financial planners can offer you a high level of technical expertise.
At Norris and Fisher we are proud to be independent financial planners offering you the widest range of advice possible to achieve your aims and objectives.
The Benefits Of Being A Client Of Norris & Fisher
- A full, comprehensive wealth management service.
- A clearer understanding of your wealth and your financial objectives written in to a financial plan, which we will review with you on a regular basis.
- A completely transparent fee structure so you know exactly what you are paying.
- Reduced administration; consolidated paperwork; a detailed investment statement every six months; and a Consolidated Tax Voucher each year, to assist with your HMRC return.
- A client platform providing access 24 hours a day/365 days a year; real time valuations; secure communications and document storage.
We offer a range of different client service levels depending on your needs: Client Service Levels