We work with a number of clients who have the majority of their financial affairs in order and are happy to manage their own savings and investments. For these types of clients, we may recommend the use of our financial planning services only. This means we sit down with them regularly to review their complete financial position and help them formulate their medium and long-term goals. We run through a number of scenarios and build a financial plan to show how they could be positioned in the future. We then write up a bespoke financial plan which outlines the areas to address such as increasing investments, adding to a pension, tax planning measures or taking out additional insurance for example. The client uses this information to manage their own finances day-to-day. They would reconfigure their investments, source and take out the additional insurance required and contact their pension provider to increase their premiums in this example. 
 

 

Many of our clients run their own businesses and use our corporate services. This includes our business planning services where we help business owners plan the finances of the business over the next few years, often working hand-in-hand with the company’s accountants. We can also help with establishing and managing company pension schemes, auto-enrolment and business protection such a key man insurance. We find that many business owners we work with like to look at the finances of their business in conjunction with their own financial affairs. The majority therefore use our financial planning services in association with our corporate services so that they have a better understanding of their complete financial position.
 

 

A significant number of people come to us because of a major life event. This may be something that has just happened or something that is approaching. Whether this is retirement, a death in the family, divorce, marriage or anything else, such events often have a financial angle. We first find out all about our clients so we can put steps in place to help them deal with the life event in question and ensure things run as smooth as possible. This may mean helping with pension income calculations, tax planning, investing for children or assessing their financial affairs for divorce or inheritance tax planning measures for example. Whatever the need, our experienced financial planners can deliver a solution. We then take care of everything so our clients can relax in the knowledge that everything is in hand. Many clients come to us during or after a major life event but we find that many stay as a long-term clients when they realise the benefits we can bring.
 

 

A large number of clients we work with use the vast majority of services we offer. This means that we provide an ongoing financial planning service where we assess their current financial situation, discuss their goals and objectives for the future and help them achieve these goals by providing a detailed financial plan with implementable steps to archive this. This is reviewed and updated regularly to ensure it stays up-to-date as our clients move through their lives. We may often recommend our clients take out investment, savings or pension products to help them achieve their goals or start an insurance policy to protect them should the worst happen. For these clients, we take care of all the details, researching, advising and implementing everything. We keep an eye on all these investments and other polices to ensure they remain fit for purpose and continue to provide the best value for money. We also help these clients plan for big life events like retiring, getting divorced or helping fund for university fees for example. These clients get full access to the client portal and a NorthStar financial planner is always on hand whenever needed. This really is the complete financial planning and wealth management solution.