Your advice needs may be focused on one issue, cover several connected areas or change over time. We offer different service options so the scope of advice can reflect what you need. Before you proceed, we will explain what the service covers, how the process works and what it will cost.
General advice is not a compulsory step before personal advice. Ongoing advice is not automatic and may not be suitable for everyone.
General advice can help you build your understanding of financial concepts through factual information and education, explore what financial planning involves, and stay informed as financial rules and regulations evolve.
General advice may be useful if you want to:
You may need advice about one issue without requiring a review of your entire financial position. One-off advice focuses on a clearly agreed area or a limited number of related matters. We will confirm what the advice covers, what information is required and the applicable fee before the work begins.
Subject to our authorisations, advice may cover areas such as:
Comprehensive advice may be appropriate when several areas of your financial life need to be considered together. We begin by understanding your circumstances and priorities. After agreeing on the scope, we collect the relevant information, consider the available options and prepare our recommendations.
The process may include:
This level supports clients who value ongoing guidance, regular reviews and strategic updates as their circumstances change. Ongoing advice is not automatically included and may not be suitable for everyone. We will explain what the service includes, how often it is provided and what it costs before you decide whether to proceed.
The ongoing service may include: