I come back with the areas I think are worth exploring: what I can see in your numbers, why each area may matter, and roughly what addressing it could be worth to you. Real numbers, plain English. These are high-level possibilities, not the finished advice. If it makes sense to go further, I'll send through the fee for your Financial Game Plan. Once that's paid, we lock in a time and your Game Plan begins.

This is where the paid engagement starts. Once you've decided to proceed and paid the fee for your Financial Game Plan, we meet again to confirm the detailed figures, fill any remaining information gaps and agree exactly what the plan needs to cover. The detailed research, modelling and recommendations begin from here.

This is the work. We stress-test the options, run the projections, and compare the products and structures, then turn the strategy into your Financial Game Plan: a document that covers every recommendation and every number, in plain English. I check in with you as it takes shape, so nothing in the final plan comes as a surprise.

You get a personal video of me walking through your Game Plan: every recommendation, what it does, and why it's there. Watch it in your own time, replay it, share it with your partner. There's a Zoom link included if you'd like to talk anything through, though because we've shaped the plan together along the way, most clients find it already makes sense. Nothing moves ahead until you're comfortable.

Paperwork, applications, new structures: we handle the heavy lifting and chase the providers, keeping you posted the whole way. Your job is mostly signatures.

Life changes, rules change and markets move. Each year we formally review what has happened, update the plan and set up the year ahead. Between reviews, I'm available when a pay rise, bonus, property decision or change in family circumstances creates a question that should not wait twelve months. Small adjustments made at the right time help keep the different parts moving in the same direction.