Annual Review

 

 

 

 

 

 

 

Example Agenda – to be catered to each client

Objectives –

  • Confirm or refresh objectives
  • Ensure the planning is still fit for purpose
  • Provide peace of mind that the plan is still on track

Key Considerations –

  • Changing Circumstances
  • Changing attitude to risk & capacity for loss
  • Long term & short term planning

Research & Planning

  • Fund performance
  • Asset allocations
  • Expectations
  • Growth and/or income requirements
  • Cash flow modelling

Tax Efficiency

  • Optimise annual allowances
  • Inheritance tax planning/Intergenerational
  • Income tax
  • Capital gains tax

Potential Solutions

  • Review existing plan suitability
  • Tax wrappers
  • Platforms
  • Insurance companies
  • Fund managers
  • Bank
  • Stockbroker

Outcome

  • Plan meets objectives
  • Peace of mind
  • A more certain financial future
  • Goal to never run out of money

Ongoing Review

  • Agree frequency aligned to client needs