Financial planning process

Your journey with Churchill

Our approach is designed to help you understand where you stand, what you are looking to achieve, and how we may be able to help, without pressure or obligation.

1. A first conversation

We begin with a conversation focused on you: your circumstances, what you are looking for help with, and what has prompted you to get in touch. This is an opportunity for you to outline your situation, ask questions and decide whether you would like to take things further. If appropriate, we will arrange a meeting to explore things in more detail.

2. Building a clear picture

Together, we build a clear picture of your existing arrangements, including pensions, investments and wider finances, along with your priorities and longer-term plans. Where appropriate, we are happy to involve other family members in discussions, and to work alongside your solicitor, accountant or other professional advisers to ensure everything is considered in the round. At this stage, we also explain how we work, including our services and costs, so you can make an informed decision about whether to proceed.

3. Analysis and planning

We carry out detailed research and analysis of your existing arrangements, to build an understanding of what is working well and where changes may be appropriate. This may include assessing investment risk, reviewing tax efficiency and, where appropriate, using cashflow modelling to show how different decisions could affect your future plans.

4. Our recommendations

We present our recommendations clearly, explaining how they align with your objectives and why they are appropriate for your circumstances. You have time to consider your options, ask questions and decide how you would like to proceed, with no obligation.

5. Implementation

If you choose to move forward, we take care of putting the agreed arrangements in place, ensuring everything is handled smoothly and efficiently.

6. Keeping things under review

For many clients, this is the start of an ongoing relationship. Where appropriate, we agree an ongoing service, tailored to your needs, which may include regular reviews, ongoing advice and the active management of your investments. As your circumstances change, we help you review your plans and make adjustments where needed, so everything continues to reflect your priorities.

In addition to structured reviews, you are always welcome to contact us whenever you need advice or would like to discuss any aspect of your financial planning.

See how we could help

If you’d like to explore how our advice could support your financial plans, get in touch for an initial conversation. There is no pressure or obligation; just an opportunity to discuss your circumstances, ask questions and decide whether working together feels right.