Future Direction Programme ™: The Key Steps are:

Step Two: The Evaluation & Gap Analysis:

Once we have gathered all relevant factual information, we can commence the second stage of our behind the scenes work. 

We will look to construct both an accurate and in depth picture of your present financial position, which will be inclusive of all financial products you hold.

We will aim to assimilate your financial and life goals to your present financial profile, and put together and present to you an initial overview.

This will show you where you want to be financially, where you are now and what holes there are in your plan. Ideas will be proposed as to how we feel you can best fill the gaps.

We can prepare and present you with a lifetime cash flow plan, the production of which can prove to be one of the most important elements in the preparation of your Financial Plan. 

Normally, it will lead to one of two conclusions – either, on the best assumptions you feel able to make, it will identify that you will eventually run out of money or it will identify that you are likely to accumulate more and more investment capital. 

In either case, financial planning action will be arise.  In the former case it will identify a need to increase your income and/or reduce expenditure and/or improve investment returns.  In the latter case it will probably indicate scope for estate planning to reduce the eventual impact of Inheritance Tax on your heirs.