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FAQ Intro

What is financial planning

difference between financial planning and financial advice

what are the steps in developing a financial plan

how often should you review your financial plan

Our Services:
Wealth Management
Retirement Planning
Trusts and Tax Planning

How we can help

We work together to help you face your current challenges as well as build foundations for a secure future. Every financial plan is different, it evolves as we take into account your life changes and the inevitable ups and downs of the economy.

After we have established your goals, we determine how much money you need and when and put the most suitable solutions in place to help you achieve them. Our investment process is designed to suit your attitude to risk and we will never put your money anywhere you are not completely comfortable with.

We will meet with you regularly, scanning ahead and recalibrating the plan to make sure your finances stay on track.

A warm and friendly introduction, personalised and clear advice.

The Evans Family

Consideration for the longer term hadn't really been thought about until the girls came along. Having gone self employed in the last couple of years, setting up our business and generating income meant we could also set up some fundamentals like pensions and investments. FMB fitted the bill in their approach to our needs. A 'no pressure' service with sound information meant a trusting relationship has been built.

Investment and portfolio management

At FMB, our strength is in financial planning, but an important part of that is helping clients decide on the best place to put their money. After thirty years we have seen many financial fads come and go. We have developed a process based on managing clients needs combined with assessing their approach to risk. Then we find the best investment path for each client. We do not try to pretend that we have the resources to scan the global markets for the best investment opportunities. Be wary of any adviser who claims to! The investment market is complex and fast changing and it takes more than reading the FT to make good decisions.

Planning for your retirement

Often the most significant objective in a financial plan is achieving a secure retirement.

For some people this can’t come soon enough, for others the thought of finishing work fills them with dread. The most important factor is ensuring you have confidence that when you do stop earning you have enough money to last. On the flip side, wouldn’t it be a shame to discover you could have retired a few years earlier and still had enough money to achieve all you wanted in retirement.

Planning ahead allows me to relax knowing my family's future is in safe hands

Tim Rumney

FMB have been looking after my finances for many years. They help me to plan ahead and keep a clear sight of my future finances, with sound advice on how to make the most of my money.

Trusts and Tax Planning

A large part of Financial Planning is about making sure your wealth is protected and you have control over what happens to it in future.

Trusts can play a useful part in financial planning, helping protect assets for future generations. The right trust can ensure your wealth is used according to your wishes and often minimise the amount of tax you and your family pay.

Guide for Trustees and Attorneys

FAQ's

What is financial planning?

Financial Planning is about creating a long-term plan to help you achieve your financial goals through the careful and efficient management of your finances. Much more than just ad-hoc advice, it looks at your full financial picture, taking into account life changes and the inevitable ups and downs of the economy to help you stay on track to achieving them.

What is the difference between financial planning and financial advice?

Whereas financial advice focuses on solving a particular problem such as "where best to invest my money", financial planning takes a more holistic approach and looks at the bigger picture; establishing your goals and aspirations for the future and putting the provisions in place to help you achieve them.

Unlike ad-hoc financial advice, financial planning provides you with ongoing guidance; helping you make better decisions so that you can achieve your full financial potential while giving you peace of mind over yours and your family's financial future.

What are the steps in developing a financial plan?

Our comprehensive financial planning service follows these 6 steps...

1. Establish

Establish your goals in life – short, medium and long term

2. Work

Work out what assets and liabilities you have already

3. Assess

Assess your current financial position – how close are you to achieving your goals?

4. Develop

Develop your plan – create a “route map” for achieving your goals

5. Implement

Implement your plan – make the changes and make it happen

6. Monitor

Monitor and review your plan at least yearly and make adjustments when needed to ensure you remain on track to achieving your goals

How often should you review your financial plan?

The level of ongoing service required will be based on your needs and the level of complexity of your financial plan, however, as a minimum, your financial plan should be reviewed annually or when there are any significant changes to your personal or financial circumstances.

We will always agree on the level of ongoing services at the time of, or prior to, making our recommendations to you.

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Get in Touch

FMB Financial Management Bureau Limited, Shenstone House, Helsington, Kendal, Cumbria LA8 8AA. Telephone: 01539 725855 Email: info@finman.co.uk

Financial Management Bureau Limited is authorised and regulated by the Financial Conduct Authority.
Financial Management Bureau Limited is a limited company registered in England and Wales. Registered office: Shenstone House, Helsington, Kendal, Cumbria LA8 8AA. Registered number: 02089786
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk

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