The Third Stage – Product Planning

Having been through the Lifestyle Financial Planning process, should your financial plan indicate that you need financial products to satisfy the needs of your financial plan, (and therefore your real goals and objectives), then, and only then, do we move to the third stage of the process – Product Planning.

This is where we research the whole market to identify the financial products best suited to your objectives and the needs of your financial plan. This stage involves the use of sophisticated independent product research software to compare product ‘wrappers’, fund performance, volatility, asset allocation for suggested funds etc, etc. This stage will involve rigorous research on our part including a detailed recommendation report.

This third stage is always the final stage of the comprehensive process we use with clients and it only occurs when we know exactly what you are trying to achieve in the first place.

In many ways this process is directly opposite to most financial advisers who are only interested in selling products. We believe that a financial adviser has no right to ‘sell’ you a product unless they have carried out this three stage process.