Initial Advice

1. First Meeting – Free and Without Obligation

The first step is a meeting to establish whether financial advice could benefit you. This is free of charge and comes with no obligation to proceed. This meeting is also a chance for you to decide whether we are the right fit for you.

At this stage we:

Discuss your goals, concerns, and priorities.
Review any existing pensions, investments, or insurance policies.
Highlight the fees and charges you currently pay.
Explain how we work and answer your questions.

As part of this meeting, we also carry out fact-finding to understand your financial position in detail. This includes your income, assets, liabilities, risk tolerance, time horizons, and any ethical or sustainability preferences.

2. Research and Analysis

Once we have gathered the necessary information, we carry out detailed research into the most suitable options. This process is independent, meaning we are not tied to any product provider and can consider the full range of solutions available in the marketplace.

Our research includes:

Product suitability – identifying whether pensions, investments, or protection products are appropriate for your needs.
Provider analysis – comparing providers on cost, reliability, financial strength, service quality, and flexibility of their products.
Risk and return – ensuring the investment mix matches your risk profile and long-term objectives.
Charges – reviewing all fees, including provider charges, fund costs, and adviser fees, so you understand the total cost.
Tax efficiency – identifying the most effective use of allowances and tax wrappers (e.g. ISAs, pensions, bonds).
Ethical or sustainability preferences – filtering for funds or providers that meet your chosen criteria.

This stage is the most valuable parts of our work: by filtering the market and comparing options in detail, we aim to secure better outcomes for you than could typically be achieved without advice.

3. Second Meeting – Presentation of Recommendations

We will arrange a second meeting to present our recommendations. You will receive a written report setting out:

The recommendations we are making.
Why these are suitable for your circumstances.
How they fit into your wider financial plan.
The associated costs and charges.

We explain our reasoning clearly, answer your questions, and make sure you have time to consider your options before making any decisions.

There is no pressure to proceed immediately. We encourage you to take your time, review the information, and ask any questions. We remain on hand to discuss the advice in more detail, and help you make a decision in your own time.

Oliver Financial Planning

98 Bay Tree Rd, Bath BA1 6NF, UK

01225 336 486

Oliver Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. Financial services reference number: 963900.

Our company number is: 13205258. Registered office address: 30 Circus Mews, Bath, BA1 2PW.

Investment Risk Warnings

All investments carry an element of risk, and the value of your investments can go down as well as up, so you could get back less than you invested.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of fund when accessed, interest rates and legislation.

A Protection plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse and you may not be covered if a claim is made

Initial Advice

1. First Meeting – Free and Without Obligation

2. Research and Analysis

3. Second Meeting – Presentation of Recommendations

4. Implementation of the Plan

5. Ongoing Advice Reviews & Support

Initial Advice

1. First Meeting – Free and Without Obligation

2. Research and Analysis

3. Second Meeting – Presentation of Recommendations

4. Implementation of the Plan

5. Ongoing Advice Reviews & Support

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