CAPW

Our Advice

Our Advice Process

Your financial advice journey, step by step.

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Your Financial Advice Journey

We’re here to guide you through every step of the financial advice process. Below is a breakdown of how we’ll work together to ensure your financial goals are met efficiently and transparently.

We do not levy any fees until it is agreed in writing by you. Fees are typically levied at stage 5, once we’ve put the agreed plan into action. Please see our fee section for more information.

  • Step 1: Getting Started

    Before our first meeting, we’ll send you a few key documents to review: a Data Protection Notice, explaining how we handle your personal information, and Services Information, outlining the services we provide. These documents will be sent via our CashCalc client portal, alongside a Fact Find form, which helps us gather important details about your financial situation. Reviewing these ahead of time will help us make the most of our meeting.

  • Step 2: Understanding Your Needs

    During our meeting, we’ll work with you to complete the Fact Find, which includes details about your current financial situation, a full retirement and cash flow forecast, if appropriate, and a risk assessment to understand your attitude toward investment risks. You can also choose to fill in parts of the Fact Find remotely at your convenience. Your goals and aspirations are at the heart of this process, and we’ll take extra care to explore these with you. To move forward, we’ll also need a valid passport and proof of address from the last 3 months.

  • Step 3: Research & Preparing Your Advice

    Once we’ve gathered the necessary information, we’ll carefully research and prepare a tailored plan for you. This includes a Reduction in Yield Report to show the impact of fees on your investment, a detailed analysis of any recommended investment or pension advice, supporting documents such as factsheets, Key Information Documents (KIIDs) and illustrations, a Suitability Report outlining our recommendations, and a Confirmation of Fees & Charges document for transparency. Unless otherwise agreed in writing you will be able to review the full advice with no obligation to proceed and no cost should you ultimately decide not to work with us.

  • Step 4: Presenting Your Plan

    We’ll meet with you to present your tailored advice and ensure you’re comfortable with every detail. You’ll receive all completed documents, including the Fact Find and Risk Assessment, a clear breakdown of fees and charges, and the full Suitability Report and supporting materials. You’ll need to review and sign certain documents to proceed, and we’ll guide you through the process and answer any questions you may have.

  • Step 5: Putting Your Plan into Action

    Once you’ve approved and signed everything, we’ll handle the implementation of your plan. You’ll receive regular updates to keep you informed, and we’ll notify you immediately of any delays. For processes like transfers, we’ll provide weekly updates to keep you in the loop. If you have any questions at any stage, don’t hesitate to reach out, we’re here to help.