How we work

Delivering a bespoke and trustworthy service to our clients is our priority. 

At CHN Financial Consultancy, we are with you throughout your life’s journey, consistently adapting our services to suit your ever changing circumstances and needs.

We have broken down our Financial Planning Process into 4 stages to make it clear and transparent, helping you to meet your goals and expectations.

 
people icon Initial Consultation
   
 

We offer an initial consultation at our expense. The purpose of this is to understand your personal needs and objectives; this will establish how you could benefit from our service, outline appropriate costs and give you the opportunity to appoint us.

 
paper icon Review and Recommendation process
   
 

This could involve a complete review of your current financial situation, or addressing specific issues you feel require attention. Any, or all of the following issues could form part of our review service and we would agree this at the initial consultation.

Investment Review
An objective assessment of your risk tolerance and complete review of existing investments held.

Taxation Review*
A review of the opportunities and threats created by the taxation rules in relation to the areas of investment, pensions and retirement planning.

Pensions Review
A review of existing pension arrangements, along with a suitableof the many strategies available. We also offer a remote service for smaller pension funds where the holdings are reviewed quarterly and managed up to retirement.

Retirement Planning
Guidance on the most suitable way to use the pension funds you have available to meet your aims and objectives in retirement.

 

Protection Review
An Assessment of any life or health protection policies in place, the level of cover provided and any identified shortfalls.

Estate Planning Review*
A review of any existing legal documents in place, along with an assessment on the impact of Inheritance Tax on your estate and possible solutions to mitigate this.

Lifestyle Financial Planning*
The creation and implementation of a strategy with the aim to enable you to achieve your objectives.

Using the information gathered, we will develop a detailed financial plan. We will research the market, reviewing a wide range of products and providers. Once we have completed our research, we will then be in a position to identify and recommend specific solutions with the aim to meet your needs and objectives.

 
light bulb Implementation/Intermediation Process
   
 

This process only begins once we have your agreement on the strategy to be put in place. This may involve arranging investments, implementing products on your behalf or establishing a specific financial planning process. This may include:

• Handling of all fund and policy administration on your behalf

• Regular updates to keep you informed of progress

• Ensure all your documents are issued in line with your expectations

• Confirmation of all actions taken on your behalf in writing

 
search-icon Ongoing Review Service
   
 

An ongoing review service has always been integral to our business as we believe that it can add significant value to both individuals and businesses. The purpose of this is to develop our planning strategies over time to take into account your changing circumstances and objectives as well as developments in economic conditions or legislation (taxation etc). It also gives us the opportunity to give you access to new ideas and financial products.
For such clients we have developed three levels of service which are mainly determined by the level of contact and advice you will require from our team throughout your financial planning journey.

 
 
Clayton Holmes Naisbitt