Whilst our services are tailored to fit your personal situation, all Lifestyle Financial Planning clients are able to access the following services:

  • Financial Audit – This starts with us gathering information about you, your attitude to risk and your financial situation. We then prepare a financial analysis with the aid of cashflow modelling software, which identifies any areas where your existing arrangements may be insufficient to meet your objectives. The audit will include a review of your protection and retirement planning, savings and investments and estate planning.
  • Protection Review – Providing a check of current levels of cover to protect you in the event of death or ill health.
  • Pension Review – Exploring your existing pension arrangements to see if you will have sufficient income in retirement to fund your desired future lifestyle.
  • Investment Review – An analysis of any investments you have to ensure they are commensurate with your attitude to risk and your objectives.
  • Review Your Retirement Options – We will fully explain all of your options at retirement, including flexi-access drawdown, phased retirement and annuity purchase.
  • Estate Planning Review – We will examine your wills and trust arrangements to make sure they are current and legally valid. We will also look at your existing pension and life assurance contracts and ensure they are appropriately written in trust so that Inheritance Tax is mitigated. The Financial Conduct Authority does not regulate Wills, Trust and Tax advice.
  • Annual Forward Planning Service – Once you become a client of Fraser Wealth Management our job is to give you peace of mind that you can live the life you want, without fear of ever running out of money. Every year we will update your cashflow model and consider any changes you may need to make to your financial plans to keep you on track to meet your objectives.
  • Regular Reviews – In addition to the Annual Forward Planning Service you may select to have regular updates of your situation. Please see the ‘Service Levels’ page for more details.
  • Family and Professional Update – We will discuss any financial issues affecting your family and provide updates to your professional advisers as appropriate, including your accountants and solicitors.