Welcome to Evolution Financial Planning
Friendly advice from female financial advisers
Life presents us with a series of financial challenges. Some can be planned for – like a wedding or retirement – while others come when we least expect it.
That’s why financial planning is so important. It means you will always feel prepared for the changes ahead while putting you in the best position to achieve your long and short-term goals!
The diagram below shows our ages along the bottom and stages of life across the top. The red line represents our income – starting low and increasing through career peaks before reducing again in retirement – and the lines going across the grid highlight potential areas of need for financial advice.
No matter what your age or life stage, getting financial advice from an adviser you trust is key to your family legacy and personal success.
Work with us
Who we typically work with as clients...
Perhaps you want to move up the property ladder or, if you have children, feel it is time to start saving for school or university fees.
You may also be thinking about organising legal guardianships for your children and want to ensure they’ll receive a lump sum should anything happen to you.
We can help with all these areas of planning. As holistic advisers, we’re able to provide advice around mortgages – which one is best for you and which lenders will offer the most money – and write wills.
We can give advice around guardianship and set up insurance policies with trust work ensuring your family’s future is protected.
We are also able to give investment advice so that your children’s university fees are covered, allowing you to relax in the knowledge they’ll leave higher education with little or no debt.
Plus, we offer advice around investment and retirement plans to ensure you’re in the best possible position later on in life.
Perhaps you’re concerned about your joint retirement plans or how you’ll pay future school or university fees for the children. Maybe your goal is to set up legal guardianship for your children and you want to be able to provide them with a lump sum should anything happen to you?
We are here to offer a second opinion. Think of us as someone to bounce ideas and concerns off. As well as providing you with advice on guardianship we can help set up insurance policies with trust work ensuring your family is protected.
We are also able to give investment advice so that your children’s university fees are covered, meaning you can relax in the knowledge they’ll leave higher education with little or no debt.
We can also offer advice around investment and retirement plans to ensure you’re in the best possible position later on in life.
Now that the business is working and profitable, it’s time to shift your focus to other matters such as sorting out your existing mortgage or reviewing your pension plan. You know you could do more with your earnings and wonder what else you could consider.
We can help you create the financial plans you’ve been putting off and support you in making sure all your finances are in order – after all, you’ve worked hard work to get here and want to make sure your efforts pay off.
Making the right decisions about your mortgage - how long the term is and what type you need - is very important. After all, it’s probably the biggest financial commitment you’ll ever make.
You may be wondering where to start or what you should do to put yourself in the strongest possible position. How much can, or should, you borrow? Are there schemes which could help you up the ladder?
We can help you find the right mortgage for your circumstances, ensuring it is financially comfortable for you. We assist with the whole mortgage administration process, so you’ll always have someone to speak to.
Later on, we can advise on any protection needs you may have and even give you support in writing your will.
You could be worried about all the paperwork and have no idea what your projected earnings would be at retirement. Or, you might have spare money and not know what else you should be doing to make the future secure.
We can help you review your pensions and give you advice on which steps to take to ensure you are in the strongest position.
Everything comes into question - your Wills become invalid, your life insurance policies may need changing and, if you need to apply for a mortgage, you might not know how much you can borrow.
With so much information to deal with, we understand that deciding what to do can be overwhelming.
After getting legal advice, we are able to help you with all these areas. As holistic advisers we don’t just deal with mortgages or pensions, our team is able to give you guidance on all the areas you may be facing, making it easier for you to make decisions.
WHICH SERVICE DO YOU REQUIRE?
Our Service is broken into 2 sections depending if you are taking out a new product, needing to speak to an adviser which has pension and investment knowledge or if you need general advice.
OPTION 1 – Specific Product:
- Mortgages – we cover them all. Remortgage, home movers and investments with Whole of Market advice provided.
- Insurances – Life insurance, income protection and critical illness
- Pensions – Reviewing existing to setting up new ones.
- Investments – Lump sum investments, inheritance and existing portfolios
- Wills – Single or Mirror Wills and Trust work where required.
OPTION 2 - Lifestyle Financial and Money Coaching - (Money Mentor and Lifestyle Financial Coaching)
Like many people you are needing more than just a mortgage or investment product, you’ve looked for a financial adviser as you want to really get efficient and affective with your finances. Is this you? You are earning well but feel like you are wasting money with over spending in your business or personal life. You have little or no structure to your finances and you know you need to take action but don’t know where to start. You do know what you want to be in a position to invest – in yourself, in revenue creating opportunities, in property or in wealth structures like stocks and shares.
There are many kinds of money coaches out there, not many are qualified financial advisers – why? Because they, as we/I do, give regulated product advice and aren't needing to step into working with clients on areas of financial advice which aren’t directly related to that. I do, because I love to see the transformation and change it can have on people. Every time I see it make the biggest difference.
What is mentoring – this is where someone has the experience and knowledge to show you the right way. What is coaching – coaching will get you thinking about why and how you do and feel the way you do about something and you to take inspired action to make change. We can do both!! Which makes is a really special process all done in a very bespoke way to your personal circumstances. Nothing ‘one size fits all’ process about it…
OPTION 1 - Specific Product Required Only
The first meeting will be spent getting to know you, your current financial and personal circumstances as well as your financial aims and objectives over the next few years and long-term. Your advisor will take all the relevant information from you and some paperwork if necessary. They will then search the market for the most suitable financial products for you and your family in order to set you on the right track to fulfil all your goals and ambitions. They will prepare a report explaining all their recommendations. If you agree, they will then put the wheels in motion in order to set your financial plans up on your behalf.
How much does it cost?
- New Pension or Investment for £50,000 or less and a monthly contribution - set fee along with ISA and Pension £1200 including cash projections (on going management fees apply*)
- Reviewing existing pensions or investments - £125 for collecting full provider information. For more than 2 Pensions/Investments to review charge increased to £250 – this is an administration fee. For any recommendation implemented a charge of 1.5%-2% (based on investment levels) is applied.
- New Investment or Pension – lump sum over £50,000 for any recommendation implemented a charge of 1.5%-2% (based on investment levels) is applied.
- Insurance – no initial costs but any commission lost because of early cancellation will be invoiced to the client
- Mortgages or review existing mortgage - £199 on application, this is after the research and quote provided and £199 on offer from the mortgage provider, this is after an application has been submitted and underwriting completed.
- Wills – From** £98 single and £168 couple
**meaning a simple Will without too much complexity)
*Ongoing management fees for investments/pension – This is where an IFA would support the client with a review of their financial position every year and review the plan set up. This charge can be taken from the plan itself or it can be paid by the client directly. This fee is charged between 0.50%-1% of the investment amount.
OPTION 2 - Lifestyle Financial and Money Coaching
Our 'Kick Start' 121 Coaching/Mentoring with Director and IFA Rebecca Robertson.
This is very bespoke to you, every client is so different. I will take you through the full process of money management, financial wellbeing and ensure that at the end of the process you have a super structure process and I hope stronger mindset towards your money.
3 (4 months) months package: 2hrs Face to Face in London/Kent Office or online. Then follow up with 3 online 121 - 1 hr. (. remove) Sessions. £1,000 total investment (up front £400 the rest can be split monthly at £300 per month) Increasing from May 2019 to £450 up front and £350 per month.
Our ‘Kick Start’ Group coaching/mentoring with Director and IFA Rebecca Robertson
Maximum of 6 individuals working together to share ideas, network and keep each other accountability with a structured learning with key outcomes and goals achieved in mind.
4 HOURS FACE TO FACE GROUP MEET UP in London.
2 hours every 3 weeks for 12 weeks.
Costing £995 payment £248.75 per month over 4 months, payment in advance.
At Evolution Financial Planning, we believe that everyone should have access to financial advice, therefore, we don’t have minimum case sizes, for example, minimum mortgage amounts or minimum investment pots.
We also believe it is very important that our clients feel we're being transparent and open, therefore we have put this information together to help you understand what we can offer and how much it might cost.
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