At our first meeting we will explain our services, how they might apply to your situation and the costs that might be involved. We will aim to capture important information about your current circumstances, your financial history, aspirations, priorities, and objectives. From this we can begin to develop the direction your personalised planning will take.

We will close the meeting with a summary of our findings and the suggested next steps towards your plan. There is no obligation to proceed further nor any cost for having this meeting.

If our findings and suggestions meet with your approval we will ask you to sign the declaration attached to this agreement, which represents your permission for us to begin chargeable work. We will agree your service level, discuss 'investment risk' and your understanding of how risk may affect you.

This research and analysis stage is vital to ensure that your financial plan is properly designed and any recommendations fully researched and confirmed as suitable for your needs. We start by thoroughly analysing your current position and any planning already in place, based on our extensive knowledge of financial products and investments. Then we diligently research potential solutions for your needs in order to create your plan.

Should we need to consult with any professional advisers or financial services providers with whom you have an existing relationship, we will ask for your express consent to do so.

When we have all the information we require, a full Financial Planning Report will be devised to paint a clear picture of your current position and outline a clear and thoroughly researched recommendation for

the solution we believe to be in your best interests. We will arrange to meet with you to discuss our recommendations in full and take you through our Report step-by-step. You are free to take the report away and give it due consideration before agreeing to move forward to the next stage.

Once you feel that you are in a position to progress and you have given us your consent to do so, we will begin implementing our recommendations. We will assist you in completing any forms and ensuring your applications are processed by the relevant organisations in a timely manner.

After implementing your new plan the fourth stage is to regularly review it; life is not entirely predictable so it is vital to refresh your plan from time to time in order for it to maintain relevance and maximise the likelihood of a positive outcome.

We also encourage you to focus on the things that make you happy and improve your quality of life. Identifying a good balance between lifestyle and wealth enhancement is a key aspect of our work and develops over time.

Depending on the complexity of advice needed and the size of your portfolio once in place, you may or may not require ongoing advice, planning and review services. These services are dependent on the service level you receive as listed below. It is important to be aware that, in the absence of a specific agreement to provide you with ongoing services, your portfolio will not be monitored.

Yes, 4PFP is privately owned by the Directors who are also regulated Financial Planners. No other organisation has any financial interest or influence (implicit or explicit) in the practice or any recommendations we may make as your planners. By using a genuinely independent firm you can be assured we will only communicate information that is directly relevant to you – we do not affiliate ourselves with other businesses for marketing purposes.

Yes we are regulated by the Financial Conduct Authority (FCA) 4 Pillars Financial Planning Ltd (fca.org.uk)

No the first meeting is at our cost, at the meeting we will go through how we can help you as well as the charges and answer any questions you may have.

Although a first meeting is primarily about getting to know each other, it is always useful to have some information on hand before we meet as this makes it more productive. Any information we would like you to bring will be included in our meeting confirmation.

We are more than happy to facilitate meetings at our offices in Salisbury, London or we can also do virtual meetings should they be required.

We charge on the advice we give to you, all costs are explained upfront to ensure you understand the costs before you commit and sign any paperwork.

We work closely with our clients Accountants as our primary role is to understand your financial situation, lifestyle and aims or objectives before assessing the value we can add. We work with you over time, to ensure you stay on track, and avoid making impulsive decisions that might derail your plan. Ultimately we provide you with reassurance and peace of mind so that you can focus on other areas of your life, confident in the knowledge you will be Financially secure, Financially Independent and Tax efficient.