We understand that the time following a life changing injury can be unsettling and daunting, opening up all sort of emotions and concerns about the future. The journey we take with our clients to ensure financial peace of mind is a very detailed one and we start at the very beginning to establish what our clients want to achieve and what their concerns are. We do this by listening and supporting, before advising - from simple handholding through to complex financial calculations.

Here’s what to expect from your Aspire+ Consultant

  • Identifying Goals
  • Cashflow Modelling
  • Financial Recommendations
  • Ongoing Support
  • Preparing for the Meeting

Identifying goals

In our first meeting with you, we complete a factfinding document with you to establish your income and expenditure requirements and any cash reserve requirements. This process will also help to clarify your well-being objectives and prioritise them in order of importance. We will also help you to identify your tolerance for risk and capacity for loss with regards to investment.

If you’re not sure about anything, don’t worry - we will explain everything as we go along.

Detailed cashflow modelling

This will be presented to you to show how a potential investment model and the drawdown of your investments would meet your needs now and essentially, in the future.

Note: Cashflow modelling is not regulated by the Financial Conduct Authority.

Financial recommendations

These recommendations will be in line with your personal circumstances, your key objectives and your experience of financial planning. As these constantly change, we will continue to review them with you. At this stage we will also calculate your target return.

We are truly independent, and all our clients have unlimited, direct access to our specialist investment management and Independent Financial Advisor teams, along with ongoing access to our investment solutions. Your consultant will be happy to discuss past performance of investments with you and will always explain the fees associated with individual investment types before you decide to proceed with any recommendations.

As these constantly change, we will continue to review them with you, as the value of investments can fall as well as rise. At this stage we will also calculate your target return.

Note: The value of an investment and the income from it could go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.

Ongoing support

Our support doesn’t end once your money is invested – in fact we see this as the beginning of our relationship with you.
Once you become a client of Aspire + Wealth Management, our dedicated Client Relationship Team will get in touch to introduce themselves and explain what happens next.

Following initial investment, your consultant will undertake regular reviews of your investment and your circumstances to make sure your financial goals and needs are continually met. We also offer several support services including:

  • Biannual valuations
  • An annual performance report
  • Ongoing review of welfare benefit entitlement
  • Updates to cashflow modelling
  • Tax planning and annual tax returns

Note: Not all forms of tax planning are regulated by the Financial Conduct Authority

Client relationship team
Our excellent team is on hand to help with any concerns you may be facing, to provide moral support and counsel throughout your journey. We strive to ensure that you are well looked after and feel listened to with regular check ins via phone and email.

Preparing for the meeting

Our consultation meetings help to address any concerns you may be having.

Things to think about before the meeting
Your well-being, financial and religious objectives - we understand that religious beliefs and/or ethical concerns can be hugely important when it comes to investment solutions. At Frenkel Topping we provide advice on these areas and can access a range of investment solutions that have been specifically designed for those with religious or ethical requirements including Sharia-compliant investment or responsible investment strategies.

Immediate goals and requirements
Have a think about any cash amounts you may require immediately.

Things to bring to the meeting
Details about your income and expenditure
Your proof of identification and address

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