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Working with you

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Expert planning for your financial future

Your first meeting with us is an opportunity for us to get to know each other a little better. We will take this time to understand your objectives, establish if financial advice is appropriate for you, discuss how we will work with you, our services and fees.

Working with you, we will establish your short, medium, and long term goals. We will work out the cost of achieving your goals and analyse and evaluate your financial status. We will use this information to develop a personalised plan for you. We will then help to implement that plan and monitor it for you going forwards. Our advice process begins with your personal goals and objectives. We then work out how to best achieve these objectives, following a 5-step plan:

Step 1. Initial consultation

We spend time getting to know you, thoroughly reviewing your circumstances and discussing your existing financial arrangements. We analyse your attitude to investment risk and discuss your future objectives.

Step 2. Evaluation

We undertake a detailed analysis of your existing arrangements to work out exactly where you stand right now.

Step 3. The financial plan

We report back on where you are and explain how to progress to where you want to be. We will issue a Suitability Report to confirm our recommendations so that you can read, understand and ask any questions about the advice provided.

Step 4. Implementation

This is where we work on turning the plan into reality. We oversee the entire implementation process and help you complete all the required paperwork. We will handle all administration on your behalf and liaise with the product providers to ensure smooth implementation. We will provide you regular updates to keep you informed every step of the way, ensuring all documentation is issued in line with your expectations and confirming all actions taken on your behalf in writing.

Step 5. Review

We feel it is crucial to regularly review your portfolio to ensure everything remains firmly on track. This key objective is fully supported by our structured Annual Review Service. This is explained in more detail below:

Following completion of Steps 1-4, we strongly recommend the application of our Annual Review Service.

The first stage is to agree with you a convenient month for future annual reviews. We will then email you each year to remind you and ask that you contact us to arrange a convenient date. The Annual Review typically includes the services outlined below:
 

  • A review of your circumstances and requirements. Valuation and Projection reports are provided. This is hugely valued by our clients – to have consolidated, succinct reports that confirm the accurate current position (as opposed to multiple, hard to understand reports from providers, received at different times of the year).
  • A review of your Risk requirements – do you wish to increase or decrease the level of risk? Are you nearing the time of drawing benefits and wanting to tactically reduce the level of risk?
  • Investment Review and Rebalancing – are any fund switches necessary? The portfolio will require rebalancing back to the required strategy.
  • Tax Planning Opportunities – do you need to act to avoid any ‘tax traps’? Are you taking advantage of the allowances available?
  • Any other aspect that you wish to discuss.
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Planning your financial future as if it’s our own

This is not a meaningless slogan, thought up by marketing experts. It is genuinely how we work. When you become our client we effectively step into your shoes and ask ourselves constantly, ‘given these circumstances, what would we do in your position?’

This remains our long-term commitment to you and applies to all, whether you are a private or corporate client.

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Est. 1986

35+
Years of
financial expertise

We’re proud to have been serving our clients for over 35 years, and it doesn’t stop there.

The investment solutions, tax planning strategies and processes we implement for our clients are exactly what we do at a personal level.

We can think of no better endorsement than that.

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OUR FINANCIAL ADVICE SERVICES

Our financial services are designed to put you first and determine the most effective way to achieve your goals. It’s expert financial advice unique to you.
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Financial Planning

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Estate Planning

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Retirement Planning

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Protection Planning

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Investment Planning

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Corporate Services

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START YOUR JOURNEY WITH US TODAY

We understand that financial planning can be complex, if not daunting. Our goal, together with you, is to help guide you to a secure financial future, allowing you to confidently enjoy today, and tomorrow.

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WHAT OUR CLIENTS ARE SAYING

Happy clients are the bedrock of any business and ours is no exception.

My wife and I have been personal clients of JMA for all it’s 25 years. The cyclical nature of our economy has meant several periods of national financial turbulence and anxiety. Such a long association has enabled the soundness of the advice given, to be demonstrated by the performance achieved.

 

 

Trevor Phillips, Surrey

 

Having been badly let down by our previous adviser, and lost a lot of money because of his unprofessional self-interest, we were determined to appoint financial advisers who could provide a flexible service tailored to our individual needs. JMA have exceeded our expectations in all respects.

 

 

Bill & Sue Colledge, Surrey

 

 

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