The complete picture

BRWM's first meetings with you will explore your attitude to risk and seek to establish what you want to do with your life and investments. We'll listen to what you would like to achieve for yourself and your family, what major purchases or disposals you would look to make, and how your circumstances and the demands on your income and savings are likely to change in the future.

It's quite an in-depth conversation which could cover issues such as: how frequently will you want to change your car? How many holidays a year would you like to have? Are you planning to pay for your children's weddings, or your grandchildren's school fees? 

As well as this, we'd look to address your concerns, such as whether you can afford your plans without jeopardising your home or business, whether you could run out of money before you die, how you'll handle the tax bills, and how to make sure your children's and grandchildren's inheritance is protected.

Underpinning this will be a thorough investigation of your finances to ensure that we have the full picture: your assets, liabilities, income, expenditure, current investments and potential for change in the future, all of which will help determine your ability to achieve your financial and lifestyle goals. Many of our clients have been surprised to discover that they can afford to retire earlier than they'd imagined!

At the end of this process, we should know you almost as well as you know yourself. Only with this information can we plan for the life you want to live.