Working with you

At McGarvey Jones Financial Planning we recognise that our clients are central to everything we do. We understand that there are a variety of challenges at different life stages therefore our mind-set is not short term.

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We are committed to developing long-term relationships with our clients to help them build, preserve and protect their wealth during their lifetimes and to pass it to successive generations.

As a client of McGarvey Jones you will experience a number of benefits from a relationship with us, by:

Knowing that your hopes, dreams, goals and aspirations are fully understood before we offer any advice, services or products.

Focusing on your priorities and ensuring that our dealings with you are always sensitive to your particular needs and circumstances.

Feeling secure in the knowledge that you are being looked after by a firm that will keep your personal and financial interests in trusted hands.

Fully understanding our service proposals before making any decisions whilst having the support and backing of a FTSE 100.

Being able to receive a face-to-face service, from the outset, that is matched to your individual circumstances.

Knowing that we offer you a friendly and accessible relationship which encourages your input and provides you with clear and transparent communication.

Feeling confident that we put you firmly at the centre of everything we do on your behalf.

Organised and dedicated management of your plan, reviewed regularly and encompasses the flexibility to change as your situation dictates.

Whether you have a long-standing relationship with us or you are meeting us for the first time we are delighted to be working with you!

Our Process

Individual circumstances dictate the type of services that you require but the process of providing advice is similar in all cases.

Explore

For clients who are new to McGarvey Jones this is the first stage. We engage with you in a face-to-face meeting, a scheduled telephone or Skype conversation. We will have an exploratory discussion with you in order to build an initial picture of your goals and objectives personally as well as financially. We will gain a high level view of your circumstances and needs as well as providing a more detailed explanation of the service we could offer you.

Understand

At this stage we hold a face-to-face meeting with you to begin gathering all the necessary facts and information about your current and existing arrangements. We will seek to clarify and understand why you have made your existing financial decisions. We will record your key future life stage events and those of your family. At this meeting we will set out our terms of business and clarify our regulatory position. We take time to discuss the different types of risk associated with financial planning and most importantly record your own position on the investment risk scale. Finally we will re-visit your goals, aspirations and objectives in order to build a financial strategy for you.

Analyse

This is the stage where the highly qualified team at McGarvey Jones, quite often supported by the vast resources of St. James’s Place, begin the detailed analysis of your current situation versus your life stage goals. If there are existing arrangements in place we obtain the granular detail about these on your behalf. Next, we generate options to help you achieve your goals and objectives and begin to finalise the strategy that will form the basis of our advice.

Strategise

At this point in the process and for more complex situations we will provide a strategic view point ahead of the detailed financial recommendations and proposals. We will do this either over the telephone or at a face-to-face meeting. You will only be asked to make in-principle decisions at this point. It is also an opportunity to clarify any aspects of the proposed recommendations that will follow.

Implement

At this meeting we will provide all of the necessary regulatory information about the proposed financial planning. Usually this will involve recommending investment schemes and financial products. We will provide a thorough explanation of our recommended solutions including the key features, benefits, charges and performance data. Tax efficiency, tailored to your individual circumstances, is always prominent in our recommendations. This is the stage where your financial plan comes to life.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

Review

To complete the cycle or quite often begin it again with our existing client comes this ever so important part of the advice process. Few things in life are certain. Change is one of those certainties. Whilst the best plans always contain contingencies sometimes the unexpected can catch us out. The regular review meetings we hold with our clients are fundamental in helping to keep your financial plans on track and any of those unforeseen changes to circumstances can be accommodated.

Client Charter Brochure

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If you have any questions or would like to know more about our services please do get in touch, our team will be happy to help.

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WORKING WITH YOU

We are committed to developing long-term relationships with our clients to help them build, preserve and protect their wealth during their lifetimes and to pass it to successive generations.

Whether you have a long-standing relationship with us or you are meeting us for the first time we are delighted to be working with you!

Our Process

Client Charter Brochure

FIND OUT MORE

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