Our process
We don’t do “one-size-fits-all” approaches, but we do keep things simple. Our four-step approach strips away complexity and gets to the heart of what you need.
Step 1
Step 2
Step 3
Step 4
Meeting and discovery
We’ll introduce ourselves to you and tell you a bit more about what we do. We’ll then ask you to tell us about your current financial situation, the reasons you’ve come to see us and your goals. We want to know what success looks like to you and how we can best facilitate it so that we can start to build your plan.
There is no charge for this meeting, and we’ll give you plenty of time to ask us any questions you have before you decide to proceed. We can also do it however you want – face-to-face or remotely.
Research and analysis
Having decided to proceed, the next step is to take a look at your assets, liabilities, income and expenditure. We’ll also ask you to provide details of your current financial arrangements, including any pensions, investments and savings you have set up.
When we have this information, we’ll crunch the numbers, undertake some detailed research, and analyse what we find.
Recommendations
We’ll then present our findings to you in your personal, comprehensive Financial Planning Report. This document will tell you what’s working for you, what isn’t, and what is possible if you make some changes. It’ll show you where you are now, how far you are from achieving your goals, and how we can help you get there.
At this meeting, we will also present our recommendations to you. All our recommendations are centred around helping you achieve your objectives. That may mean just a few tweaks to your plan, or it may mean larger, more fundamental changes if you are to achieve your goals.
Importantly, we won’t just tell you what we think; we’ll explain why we think that way, so you can fully understand the logic behind our suggestions. Of course, we’ll give you time to ask any questions you have.
Ongoing service and implementation
Our initial advice is just the start of your financial planning journey. The vast majority of the work we do with our clients – and where we add the most value – is through our ongoing services. It’s here that we can make sure your financial plans really happen.
Life changes, so it’s important that your financial plan can be responsive over the years. We achieve this in a number of ways:
- Our investment committee meets periodically to review and assess the portfolios.
- We make strategic recommendations and changes to ensure that your assets are optimising returns by responding to global events and economies.
- We undertake continuous professional development, which means that our advisers are regularly updated on any changes in tax legislation, financial regulation, or any other developments that create updates for your financial planning.
All of this will then be delivered when you meet with your adviser, whether that be quarterly or annually. They will review your circumstances, answer any questions you have, and make the necessary recommendations to keep your planning on track.
For this reason, we also include the implementation of our recommendations as part of our ongoing service. Whether it’s contributing to your ISA or pension each year, making changes to your forecast as global events unfold, or simply talking through various “what-if” scenarios with your adviser, we will implement all of our recommendations for you as and when you need them.
Step 1
Meeting and discovery
We’ll introduce ourselves to you and tell you a bit more about what we do. We’ll then ask you to tell us about your current financial situation, the reasons you’ve come to see us and your goals. We want to know what success looks like to you and how we can best facilitate it so that we can start to build your plan.
There is no charge for this meeting, and we’ll give you plenty of time to ask us any questions you have before you decide to proceed. We can also do it however you want – face-to-face or remotely.
Step 2
Research and analysis
Having decided to proceed, the next step is to take a look at your assets, liabilities, income and expenditure. We’ll also ask you to provide details of your current financial arrangements, including any pensions, investments and savings you have set up.
When we have this information, we’ll crunch the numbers, undertake some detailed research, and analyse what we find.
Step 3
Recommendations
We’ll then present our findings to you in your personal, comprehensive Financial Planning Report. This document will tell you what’s working for you, what isn’t, and what is possible if you make some changes. It’ll show you where you are now, how far you are from achieving your goals, and how we can help you get there.
At this meeting, we will also present our recommendations to you. All our recommendations are centred around helping you achieve your objectives. That may mean just a few tweaks to your plan, or it may mean larger, more fundamental changes if you are to achieve your goals.
Importantly, we won’t just tell you what we think; we’ll explain why we think that way, so you can fully understand the logic behind our suggestions. Of course, we’ll give you time to ask any questions you have.
Step 4
Ongoing service and implementation
Our initial advice is just the start of your financial planning journey. The vast majority of the work we do with our clients – and where we add the most value – is through our ongoing services. It’s here that we can make sure your financial plans really happen.
Life changes, so it’s important that your financial plan can be responsive over the years. We achieve this in a number of ways:
- Our investment committee meets periodically to review and assess the portfolios.
- We make strategic recommendations and changes to ensure that your assets are optimising returns by responding to global events and economies.
- We undertake continuous professional development, which means that our advisers are regularly updated on any changes in tax legislation, financial regulation, or any other developments that create updates for your financial planning.
All of this will then be delivered when you meet with your adviser, whether that be quarterly or annually. They will review your circumstances, answer any questions you have, and make the necessary recommendations to keep your planning on track.
For this reason, we also include the implementation of our recommendations as part of our ongoing service. Whether it’s contributing to your ISA or pension each year, making changes to your forecast as global events unfold, or simply talking through various “what-if” scenarios with your adviser, we will implement all of our recommendations for you as and when you need them.
Our fees
We keep things simple, fair and transparent when it comes to how we charge, too. We subscribe to fixed-price initial fees and easily measured ongoing charges that we’ll always explain clearly to you before you sign on the dotted line. No hidden, costly surprises here.
find out moreOur clients
100
%
of our clients are satisfied that we understand their objectives and priorities
100
%
of our clients believe working with us has helped them achieve their financial goals
95
%
of our clients would recommend us to other people
Mark Bodger2022-07-08Dan was recommended to me and it has been a pleasure having him help me sort out my rather complicated pension arrangements. Dan has helped make sense of what to do with five separate pensions - and we have now been able to pull together those that can be, so I can now see what's what! Due to the advice Dan's provided I'm planning to retire three years earlier that I'd originally thought possible - and have been impressed with the support Dan has provided to make sure we've been looked after as a family. Dan has also provided useful guidance around tax issues that will be different when I retire, things that I wouldn't have discovered or thought of myself. Dan is great at keeping in touch, prompt to respond to any queries, but will never rush you into making decisions. He has a genuine desire to help you make the right choices through his thought provoking questions. I found what I thought was going to be a painful process much easier thanks to the way that Dan guided me through the whole process.
Andrew Coleman2021-11-10Hartley Ross provided sound financial advice when I was looking to consolidate my pensions due to a change in my working circumstances. Their advice was clear and they fully explained the options available and then the best financial option for me to achieve my financial goals based on my circumstances. Hartley Ross have been very diligent and professional in all their communication helping me achieve that financial goal.
Justin Bird2021-05-03I'm an independent consultant and approached Dan to help with financial planning, having transitioned from permanent employment. Hartley Ross has helped with all aspects...pensions, insurance, savings, mortgage, junior ISAs offering support for both my business and my family. What I have found most invaluable is having an objective view of my financial position, my goals and my aspirations. I've always considered that I'm pretty competent at finding the best mortgage or the best savings account, but having Dan re-evaluate my entire estate it has led to insights and ideas that I just wouldn't have considered myself. We have sat down and discussed my aspirations for the immediate, 5 years, 10 years and that has helped with planning things. It has been a really invaluable experience. I have had no concerns referring friends and associates to Hartley Ross.
Oliver Wright2021-02-21Dan recently helped me arrange a long term savings plan for my child. He provided a great service, taking time to understand my requirements. He did all the research and provided an investment that matched my needs and level of risk. I felt confident in Dan's knowledge of investments and he made the whole process efficient and straightforward. I thoroughly recommend Dan and Hartley Ross.
Peter Davies2021-02-09I've known Dan for a few years and always found his advice not just knowledgeable, but practical and tailored to my circumstances and risk level. When I started by business, Dan gave great advice about the various insurances that would normally be looked after by my employer and helped choose the policies and cover levels needed. With the huge range of options available, Dan made it easy for me to understand the policies that actually provided value and saved me a huge amount of time from having to research the policies myself. I would happily recommend Dan to anyone looking for investment or insurance advice.
Martine Christopher2020-10-12Dan helped with my pension transfer. I have no spouse and wanted to retire early. I was also concerned that after working for Lloyds Bank for 40 years on a final salary pension my son would not be entitled to anything. Dan helped with my pension review, as well as reviewing my insurances along with savings and investment planning. Dan kept in touch with phone calls, arranged meetings and emails to keep me up to date which is very important through each step by step process. After several consultations the outcome suited my needs and requirements and the personal touch, which doesn't happen with other financial advisers I have worked with. Dan was superb and would highly recommend him to my friends, family and other colleagues I have worked with. Superb service from start to finish and Dan's response rate when contacting him is brilliant. Thank you so much for looking after my portfolio. Can't thank him enough awesome results!
Gail Roxburgh2020-10-07When I first contacted Dan 6 years ago I did feel a little out of control of my finances. My original plan was to use my pension to pay off a loan. Dan showed me several options that would not impact on my pension but made more financial sense. Since our first meeting he has also helped with our mortgage and recently advised me with some inheritance I received. With Dan’s advice I now feel much more in control of my finances and definitely more confident about my retirement.
Ceri2020-08-06I was very nervous about seeking financial advice but Dan Ross was very professional, patient and knowledgeable and gave me the reassurance I needed to review my pension arrangements. Dan clearly set out his recommendations and explained the pro's and con's of each option. He made the process as easy as possible and I am confident that my pension is now invested in suitable funds to achieve my retirement goals. I would highly recommend Dan to anyone looking for pension advice.
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Take a look at some of the many 5-star reviews we’ve received from clients over the years.
