The Lifetime Planning Service
A joined-up financial strategy built around your lifelong goals.
Aligning your finances for the long term
This service is designed for clients where multiple priorities need to be considered together at once, and over time.
Your dedicated planner will help you see how everything connects, so you can make confident long-term decisions.
Do you find yourself wondering…
Cashflow planning within your Lifetime Planning Service
We use cashflow planning software to help answer questions like these, bringing together your income, assets, expenditure, and liabilities into one clear picture.
From this, we model different future scenarios so you can see how decisions today could shape your long-term financial outcomes. It can be used to illustrate how life decisions such as retiring early, increasing investments, or gifting to family members could affect your financial future.
Wherever you are in your financial journey, cashflow planning can help validate whether your aspirations are in reach, and, if not, your planner can advise on how you could adjust your plan to potentially meet them.
Cashflow planning is not regulated by the Financial Conduct Authority.
How it works
Your Lifetime Planning journey.
We stay with you over time
You’ll work with a dedicated financial planner who builds a detailed understanding of your financial life and remains involved as it develops. As your circumstances change, your plan is revisited so it continues to reflect where you are and where you want to be.
Helping you see what’s next
We use cashflow planning to explore how different decisions could shape your future. By setting out possible outcomes in a clear and structured way, you can see what those choices may mean in practice and how they fit into your wider plan.
When there’s a lot to think about
If you are balancing family responsibilities, assets, and longer-term priorities, it can be difficult to see how everything connects. This approach helps bring structure to those decisions, so nothing is considered in isolation.
By your side through life’s milestones
Your plan is then reviewed regularly as part of your Lifetime Planning Service, so it continues to reflect any shifts in circumstances.
Whether you’re faced with a life decision, reviewing your investments, or looking for reassurance, your planner will be there to guide and support you at every step.
Start your lifetime planning journey
Our ongoing advice charges
As part of our ongoing advice service, for which you agree to pay a fee, we’ll carry out a review and confirm the ongoing suitability of your investments at least annually.
| Household assets under advice* | Lifetime Planning Service Ongoing advice charge (per annum) |
| Up to £250,000 | 1% of assets under advice |
| £250,000 – £500,000 | 0.8% of assets under advice |
| £500,000 – £1 million | 0.6% of assets under advice |
| More than £1 million | 0.5% of assets under advice |
| Minimum ongoing advice charge (per annum) in pounds and pence | £2,500 |
*Defined as two cohabiting adults and children under the age of 18, including any related trusts.
Example
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