How we work
Financial planning begins with you and your goals. We are not here to sell products; we are here to help you and your family achieve the lifestyle you want, now and in the future.
The five stages to developing your lifetime financial plan
The initial meeting is an informal chat that will help you establish whether we are the right financial planners for you.
Always at our expense, we will have a conversation over a cup of tea or coffee to find out more about your aspirations, goals, and worries.
We can let you know whether we can help you address the concerns you have. We will also explain the financial planning process to you so that you know what to expect, and clearly outline our fees.
Our first job is to gather as much information from you as we can.
Some of this will be administrative information, such as details of any existing pensions, investments, savings, or protection plans you have.
We will also delve deeper into your personal circumstances and aims for the future. Only by understanding what you want to achieve can we begin to create a financial plan to help you get there.
Once we know all about you, we can start to make some recommendations.
Your financial plan will often cover a range of important areas, from ensuring you are saving enough to having the right protection for your family. It is also important that your financial plan is as tax-efficient as it can be.
This is your chance to ask us any questions you have and for us to explain our advice and strategy. We can also use sophisticated cashflow planning to show you, in simple and understandable terms, what your financial future could look like. It can be a transformative moment that enables you to make genuinely life-changing decisions.
When you are happy with your financial plan and our advice, we will implement any recommendations we have made.
This might be to consolidate some of your pensions, realign your investment portfolio, undertake some tax or estate planning, or simply put the right protection in place.
We will take care of all the paperwork and any admin involved in starting to implement your financial plan.
It is important to remember that financial planning is not a one-off task.
Over time, your plans and ambitions will change, and so will those of the wider world. This is why many clients choose to continue working with us on an ongoing basis.
It ensures you remain on track and allows us to review your progress towards your goals. For those clients that opt for an ongoing service, we will meet on at least an annual basis to ensure their plan remains appropriate as their needs and circumstances change. You will also have access to your dedicated adviser throughout the year.
Many of our clients have been with us for years, and it is this long-term partnership that we want to build with you.
Courtney Havers LLP is registered in England & Wales no. OC325079. Registered Office: Hilden Park House, 79 Tonbridge Road, Hildenborough, Kent TN11 9BH. Courtney Havers LLP is authorised and regulated by the Financial Conduct Authority no.463179. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at https://www.financial-ombudsman.org.uk/
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