Our Process
Your journey with Absolute.
Clear, independent advice from someone in your corner. We take the time to understand what matters most to you, create a plan built around your goals, and stay by your side as life evolves.
Our Process
Your journey with Absolute.
Clear, independent advice from someone in your corner. We take the time to understand what matters most to you, create a plan built around your goals, and stay by your side as life evolves.
Our Process
Your journey with Absolute.
Clear, independent advice from someone in your corner. We take the time to understand what matters most to you, create a plan built around your goals, and stay by your side as life evolves.
BEFORE ANYTHING ELSE
BEFORE ANYTHING ELSE
Financial planning starts with understanding.
Financial planning starts with understanding.
Ask most people what a financial planner does and they will mention pensions or ISAs. That is part of it, but it is a little like saying a doctor writes prescriptions. What matters most is the expertise to understand your situation, the judgement to navigate the options, and the experience to guide you towards the right decisions.
As an independent firm, we are free to focus on your goals, your circumstances and your future. That independence influences every recommendation we make and every conversation we have.
Ask most people what a financial planner does and they will mention pensions or ISAs. That is part of it, but it is a little like saying a doctor writes prescriptions. What matters most is the expertise to understand your situation, the judgement to navigate the options, and the experience to guide you towards the right decisions.
As an independent firm, we are free to focus on your goals, your circumstances and your future. That independence influences every recommendation we make and every conversation we have.
THE JOURNEY
THE JOURNEY
One journey, from the first conversation onwards.
One journey, from the first conversation onwards.
We follow the same considered path with every client. Not to tick boxes, but because knowing you properly takes time, and that time is worth protecting.
Think of it as a climb. Each stage brings the next into view. Reaching one goal does not end the journey. It simply shows you the next stretch.
We follow the same considered path with every client. Not to tick boxes, but because knowing you properly takes time, and that time is worth protecting.
Think of it as a climb. Each stage brings the next into view. Reaching one goal does not end the journey. It simply shows you the next stretch.
The six stages
Stage by stage.
Stage by stage.
1
First conversation
First conversation
First conversation
No charge, no commitment
We start with a conversation rather than a form. Tell us where you are and what has prompted you to think about planning. We will tell you honestly whether we think we can help, and how.
What the work actually is
Most of it is below the surface.
Most of it is below the surface.
The plan and the numbers are the part you see. Underneath is everything that makes them work for you: getting to know your life, and being there as it changes.
The plan and the numbers are the part you see. Underneath is everything that makes them work for you: getting to know your life, and being there as it changes.
Seen
What you see
A clear picture of your assets and liabilities
How your money is invested, and why
Regular rebalancing to keep your portfolio on track
Progress meetings to check you are moving towards your goals
Unseen
What you don’t
Taking the time to understand your life goals and your family’s needs
A plan built around you, with room to adapt as life changes
A steady hand when markets feel unsettled
Speaking up first when something needs your attention
Checking in, and always being easy to reach
KEEPING IT ON TRACK
Your progress meetings
Your progress meetings
At least once a year we sit down together properly. We think of these as progress meetings rather than reviews, because they look forward more than back. It is an open conversation about whether you are still heading where you want to go
At least once a year we sit down together properly. We think of these as progress meetings rather than reviews, because they look forward more than back. It is an open conversation about whether you are still heading where you want to go
Together, we will look at:
Together, we will look at:
Whether your goals and priorities still feel right
How your plan is tracking towards them
Whether your attitude to risk has shifted
What has changed in your life, including the changes that are easy to overlook
Tax planning opportunities for the year ahead
Anything we would suggest doing next
After each meeting you receive a clear written summary of what we discussed and what comes next. And between meetings, when something significant happens, a new job, an inheritance, a change at home, you can simply pick up the phone. Being there at those moments is part of the relationship.
After each meeting you receive a clear written summary of what we discussed and what comes next. And between meetings, when something significant happens, a new job, an inheritance, a change at home, you can simply pick up the phone. Being there at those moments is part of the relationship.
The full picture
The whole thing, in one document.
The whole thing, in one document.
Everything on this page, and more, in one document you can keep.
Everything on this page, and more, in one document you can keep.
PDF ·
8 pages
How We Work
How we work, what happens at each stage, and what it is like to be a client once the plan is in place.
What financial planning actually involves
The six stages, from first conversation onwards
What your progress meetings cover
Get in touch
Ready when you are.
We move at your pace. Some clients are ready to begin at once. Others prefer time to think, and that is exactly as it should be. We will never rush you. Your first conversation is at our cost, with no obligation. It is simply a chance to talk, and to see whether we are right for each other.
Get in touch
Ready when you are.
We move at your pace. Some clients are ready to begin at once. Others prefer time to think, and that is exactly as it should be. We will never rush you. Your first conversation is at our cost, with no obligation. It is simply a chance to talk, and to see whether we are right for each other.
Get in touch
Ready when you are.
We move at your pace. Some clients are ready to begin at once. Others prefer time to think, and that is exactly as it should be. We will never rush you. Your first conversation is at our cost, with no obligation. It is simply a chance to talk, and to see whether we are right for each other.
Finance made personal.
Absolute Financial Management is authorised and regulated by the Financial Conduct Authority, FCA Number 401135. Registered in England and Wales 05027747. Registered Office: Rear of The Bull Yard, 75 High Street, Ashford, Kent, TN24 8SN. This page is intended for general information only and does not constitute personal financial advice. The value of investments can fall as well as rise. Past performance is not a guide to future returns.
Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Website: www.financial-ombudsman.org.uk.
Finance made personal.
Absolute Financial Management is authorised and regulated by the Financial Conduct Authority, FCA Number 401135. Registered in England and Wales 05027747. Registered Office: Rear of The Bull Yard, 75 High Street, Ashford, Kent, TN24 8SN. This page is intended for general information only and does not constitute personal financial advice. The value of investments can fall as well as rise. Past performance is not a guide to future returns.
Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Website: www.financial-ombudsman.org.uk.
Finance made personal.
Absolute Financial Management is authorised and regulated by the Financial Conduct Authority, FCA Number 401135. Registered in England and Wales 05027747. Registered Office: Rear of The Bull Yard, 75 High Street, Ashford, Kent, TN24 8SN. This page is intended for general information only and does not constitute personal financial advice. The value of investments can fall as well as rise. Past performance is not a guide to future returns.
Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Website: www.financial-ombudsman.org.uk.