Blueprint Review

Published / Last Updated on 23/12/2023

Blueprint Review Service

Stage 1 - COMPLETE REVIEW "The Blueprint" - An Initial and Complete Review of Existing Insurance, Pensions, Investments, Tax, Income and Status Together with a financial "Life" plan for the coming years: 
(if you prefer a simpler, focused review e.g.  pensions and target retirement only, the lower cost Initial Review may suit you).

Fees Shop:

Initial Review Fees: Review Plans    Wealth Blueprint: Wealth Blueprint

In the blueprint 'holistic' financial planning review, we will research and report on your current property, insurance, pensions, investments and insurance portfolio and include a full review of your

  • Mortgages and debt (where applicable)
  • Tax position, allowances, relief, gains, losses, liabilities
  • A full review of premiums you pay/have paid
  • The charges
  • Any Penalties
  • Investments returns
  • Current values
  • Future projected values
  • The funds you are invested in and all other available funds to you
  • Our analysis and recommendations for funds and whether to switch to other funds in the same plan
  • Whether you should keep or transfer to another plan for lower charges, more flexibility or funds and performance
  • Inheritance tax and care fees planning
  • Trusts
  • Current and future income and savings needs
  • School fees/university fees
  • Best use of tax relief options for Basic rate, Higher Rate, Additional Rate Taxpayers or Expatriates
  • Pensions annual allowances, tapered allowance, carry foward and lifetime allowance considerations
  • Cancel any hidden commissions/adviser fees deducted from your plan and paid to previous advisers to enhance your policy
  • Taking into account your views, your current position and future 'life' plans, your investment experience, your desire for complex or simple policies and the current economic climate.
  • We will also arrange and handle any/all fund switch instructions. 
  • We will also explain in plain English: "The Good, The Bad and The Ugly" of not just your current position but also plans for the future.

In essence, an holistic financial plan ....  this full stage 1 blueprint will not include new investment/provider recommendations (that would be stage 2) but will include specific funds recommendations (for existing schemes) and will include generic provider and asset allocation and trust and onshore/offshore investment/pension and tax recommendations.

In short, the blueprint will give you all the technical solutions.  This puts you in an unbiased, informed position of all your options and you are then free to take our advice, adapt the advice or indeed ignore it.  You are not tied to us and are free to use us or indeed another adviser or do it yourself as you see fit.   This advice will be targeted to make or save both you and your family estate (where applicable) many thousands of pounds over the coming years. 

This advice work is complex and represents excellent value for money both in the short and long term when comparing costs against higher levels of wealth or income and potential for making moving, saving money and paying less tax.  With improvement we are sure we can make in tax savings or other investment income and growth.   The Blueprint does not include arranging any new investment or pension transfers plans suggested in the blueprint (these would be additional works further on down the line) as there are many options that will need to be considered and discussed with you.

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