Our approach

In order to create a professional financial planning strategy, we like to take the time to understand your needs, goals and preferences. Only then can we make the best recommendations.


Your initial contact

We contact you to arrange a convenient time and place to meet. We’ll require you to gather financial information in advance of our meeting, which enables us to develop a clearer picture of your particular situation. To help us do this, we’ll need to see documents, including life assurance, mortgage, pension, savings, investments or bank statements. You’ll have the opportunity to outline the issues that you’d like to discuss, and we’ll also send you information about our services and fees.


Your review

We assess your current financial position and help identify your goals. At your bespoke review, we provide clear information about how we can help you, explaining our advice structure and agreeing your fees with you. It’s also the perfect time to ask any questions you might have. We then assess your assets and liabilities, discuss your objectives and priorities, and consider your attitude to risk.


Preparing our recommendations

Using the information we obtain from you, we develop a detailed financial plan. We look at whether the financial plan will fit in with your lifetime goals and make sure you are comfortable with the timescale for implementing the plan. We research the market, review different products and providers, and follow up with the preparation of a document outlining a strategy tailored to your individual goals and circumstances.


Discussing our recommendations

We take you through our recommendations in detail. We explain why we’ve chosen specific solutions and outline product features. Our goal is to ensure that you understand why we have recommended certain products or a particular advice strategy. We’ll also discuss the cost of any future work and explain how you can check on investment performance.


Implementing your plan

All the necessary product paperwork is completed and processed. We make sure that all our agreed recommendations have been implemented. We’ll also liaise with your accountant or solicitor if appropriate.


Reviewing your plan

At this point, you’ll agree how often you want to review your plans. The frequency and level of contact you have with us is entirely up to you. It could be face-to-face meetings, over the phone or by email, whichever suits you best. If your circumstances change, we also need to know so that we can review what further changes your plan may require. These would typically cover life-changing events, including getting married, having a baby, a promotion, buying a new property or deciding to retire – all events that may affect your finances and will require you to assess your financial planning strategy.

This process has to be underpinned by a joint commitment from both Hanbury Wealth and our clients in order to ensure the successful completion of their financial goals.


Whenever you invest, it is important to remember the value can fall as well as rise.

How we are paid

During your review, we’ll explain how we charge. You will be given details on how Hanbury Wealth is regulated by the FCA, the range of products we are authorised to advise on and any information that we’re required to give you.

To explain further, clients pay for advice in one of three ways:


Since 31st December 2012, it has been a regulatory requirement that the cost of all investment and pension advice be based on a fee rather than commission. Please contact us if you would like a list of our fees.


For protection plans we recommend, we will always tell you about any commission we earn, and the cost of this commission paid out by the provider will normally be factored into the price of your product. These commissions vary with different products and providers but will be documented on the key facts illustration (KFI) you receive from your adviser.

Fees & Commission

By paying a combination of fees and commission, the adviser will rebate back into the financial products, hand to you some or all of the commission, or offset it against the fee.

Whether we take our remuneration by way of commission or fees will be a matter of discussion and agreement, and no charges for fees will be made without prior notification in writing.

Contact our friendly team today