The MATTERS Experience™
Meet
We start by exploring your goals, aspirations, and approach to life. This enables us to learn about what’s most important to you and create your vision for the future. We’ll explain The MATTERS Experience™ so you understand our philosophy, approach, and fees. You’ll also have the chance to ask us any questions you have and get to know us better. Given the long-term nature of our relationship, it’s vital we’re the right fit.
Assess
Next, we’ll work together to build a clear picture of your finances; your assets, liabilities, income and expenditure. We make this important information-gathering process as painless, as possible. Once we’ve collated all your data, we can move on to the next stage where we work out how to get you from where you are now, to where you want to be.
Test
Time for us to crunch the numbers so we can give you the clarity to make those all-important decisions about your future. We’ll look at whether your existing financial arrangements are the best fit for you and the impact of your expected cashflows in line with what’s most important to you.
Translate
We’ll present Your Big Picture™ giving you a clear, comprehensive vision of your financial future. This includes a lifetime cashflow forecast with a range of scenarios for you to consider, some that you asked us to explore and others we’ve created based on what we know about you.
We’ll show you the potential impact of life’s twists and turns on your finances and guide you through some of the possibilities available to you. The confidence you gain from understanding Your Big Picture™ can empower you to make bold decisions.
Effect
Now we can take the steps we’ve discussed and agreed in order for you to progress towards your goals. We’ll ensure you understand our recommendations and make any changes needed to your tax planning, pension, savings and investments.
Reflect
To ensure you stay on track, it’s essential that we periodically take stock of your progress. Your annual Planning Day is an opportunity to reflect on Your Big Picture™ and for you to update us on any changes in your life. We’ll also make any adjustments along the way to ensure you maximise all opportunities around tax planning and investment management.
This relationship ensures we adapt to your changing circumstances and goals to keep your plan tailored.
Steer
The only certainty in life is change. As time moves forward, we’ll support and guide you through the inevitable ups and downs. We’ll remind you of what you told us you wanted to do, and what your priorities are. Sometimes we’ll challenge your thinking, ensuring Your Big Picture™ always remains in clear focus.
Your Big Picture™ financial plan explained
As we follow The MATTERS Experience™ we will create Your Big Picture™ financial plan.
Your Big Picture™ offers a clear understanding of:
Your current financial position and how best to organise your finances moving forward
Whether you’ll have enough to live the lifestyle you want
The impact your financial and life choices may have
The steps you need to take to achieve your objectives
A strategy to utilise annual allowances and exemptions to reduce tax payable, keeping more money to spend on things that matter to you
How to mitigate risks which may prevent or delay some goals being achieved
The ability to plan for events such as ill health and market crashes, making your plan more reliable.
You’ll feel more confident about your financial future and how you can achieve what’s most important to you.
The MATTERS Experience™ will give you:
Education, telling you the truth about your finances, not just what you want to hear!
Objectivity, ensuring you are prepared for the things that could blow up along the way.
Proactivity, anticipating
the points of big change in your life well in advance.
Accountability, reminding you of what you told us you wanted to do.
Organisation, of your thoughts as well as your finances.
