Our financial planning methodology explained

Our structured process combines thorough consultations, analytical reviews, and compliance-focused recommendations. We ensure every client receives transparent information on APR rates, fees, and terms, while our advisors support you in making informed decisions tailored to your needs.

Meet our financial planning team

Experienced professionals committed to clarity, compliance, and your objectives

James Walker

James Walker

Lead Financial Consultant

MSc Finance and Economics University of London

12 years total "Regulatory compliance"

City Financial Group

Certifications:

Chartered Financial Planner CISI Diploma in Wealth Management

Methods:

Analytical reviews One-on-one consultations Risk assessment protocols Compliance checks Market condition analysis APR and fee transparency

Key skills:

Communication clarity Analytical thinking Ethical standards Client focus

Awards:

Client satisfaction recognition

Industry compliance awards

Process improvement leader

Speaker at UK conferences

Over a decade of experience guiding clients through complex planning.

Rachel Evans

Rachel Evans

Senior Advisor

BA Accounting and Finance Durham University

9 years total "Fee transparency"

Midlands Advisors

Certifications:

DipFA Financial Services Regulation

Methods:

Personal consultations APR disclosure Client needs analysis Market insight reviews Compliance adherence

Key skills:

Detailed explanation Client empathy Compliance knowledge Process clarity

Awards:

Best practice recognition

Process streamlining award

Client education initiatives

Panel speaker at conferences

Expert in transparent consultations and tailored recommendations.

Sophie Turner

Sophie Turner

Consultant

BSc Financial Management Manchester University

8 years total "Analytical reviews"

Northern Finance

Certifications:

CeMAP Compliance Specialist Certificate

Methods:

Resource allocation analysis Analytical process mapping Risk scenario evaluation Client-focused reviews Fee and term clarity

Key skills:

Attention to detail Market analysis Ethical standards Client guidance

Awards:

Client trust awards

Compliance excellence

Process efficiency improvements

Speaker at regional events

Delivers analytical support and ensures regulatory compliance for clients.

Ethan Carter

Ethan Carter

Planning Analyst

BA Business Studies Leeds University

5 years total "Resource assessment"

West End Advisory

Certifications:

Financial Planning Certificate Regulatory Compliance Diploma

Methods:

Resource assessment APR calculation checks Client interview protocols Ongoing compliance review Analytical frameworks

Key skills:

Process organisation Client interviewing Regulation focus Analytical skills

Awards:

Team quality award

Regulatory audit commendation

System improvement leader

Panelist at industry events

Focuses on compliance and detailed resource assessment for clients’ plans.

Our step-by-step planning process

Our process ensures every client receives a structured, compliant path from initial consultation to actionable recommendations. We clearly explain all APR rates, fees, and repayment terms to help you make informed decisions at every stage.

planning process steps uk

Initial consultation and needs assessment

Week 1 • 30–60 minutes

Analytical review and market context

Week 2 • Up to 1 week

Personalised recommendations discussion

Week 3 • 30–45 minutes

Terms, APR, and fees explanation

Week 3 • 15–30 minutes

Ongoing support and periodic review

Ongoing • As required

Compare our planning frameworks

Features Consultation only Consultation plus review Full process support
Initial consultation session Yes Yes Yes
Analytical review included No Yes Yes
Market context assessment No Yes Yes
APR, fee, and term disclosure Yes Yes Yes
Ongoing support and periodic review No No Yes