FOUNDATIONS
The numbers are the starting point. The conversation is where planning begins.
By the time we meet, I will already have much of the financial information I need. That gives us the space to focus on you — what you are trying to decide, what matters and what you want the next stage of life to look like.
60–90 minutes. No advice or recommendation is made at this stage.
FOUNDATIONS
The numbers are the starting point. The conversation is where planning begins.
By the time we meet, I will already have much of the financial information I need. That gives us the space to focus on you — what you are trying to decide, what matters and what you want the next stage of life to look like.
60–90 minutes. No advice or recommendation is made at this stage.
FOUNDATIONS
The numbers are the starting point. The conversation is where planning begins.
By the time we meet, I will already have much of the financial information I need. That gives us the space to focus on you — what you are trying to decide, what matters and what you want the next stage of life to look like.
60–90 minutes. No advice or recommendation is made at this stage.
BEFORE WE MEET
We do the groundwork first.
The Foundations Meeting works better when the basic information is already in place. That means we can spend less time collecting data and more time understanding what it means for you.
BEFORE WE MEET
We do the groundwork first.
The Foundations Meeting works better when the basic information is already in place. That means we can spend less time collecting data and more time understanding what it means for you.
BEFORE WE MEET
We do the groundwork first.
The Foundations Meeting works better when the basic information is already in place. That means we can spend less time collecting data and more time understanding what it means for you.
01
Complete your client portal
Give us the financial starting point.
Before the meeting, complete the information requested through your client portal as fully as you reasonably can. This gives me the starting picture of your pensions, investments, income, spending, property and wider financial arrangements.
If something is unclear or unavailable, leave it and we can deal with it together.
01
Complete your client portal
Give us the financial starting point.
Before the meeting, complete the information requested through your client portal as fully as you reasonably can. This gives me the starting picture of your pensions, investments, income, spending, property and wider financial arrangements.
If something is unclear or unavailable, leave it and we can deal with it together.
01
Complete your client portal
Give us the financial starting point.
Before the meeting, complete the information requested through your client portal as fully as you reasonably can. This gives me the starting picture of your pensions, investments, income, spending, property and wider financial arrangements.
If something is unclear or unavailable, leave it and we can deal with it together.
02
Review the important documents
Understand how we will work together.
Please review your Initial Disclosure Document, Data Protection Notice and any other planning information provided through the portal.
If anything is unclear, bring the question to the meeting.
02
Review the important documents
Understand how we will work together.
Please review your Initial Disclosure Document, Data Protection Notice and any other planning information provided through the portal.
If anything is unclear, bring the question to the meeting.
02
Review the important documents
Understand how we will work together.
Please review your Initial Disclosure Document, Data Protection Notice and any other planning information provided through the portal.
If anything is unclear, bring the question to the meeting.
03
Think beyond the numbers
Consider what you actually want the plan to help you do.
You do not need perfectly formed goals. Think about what brought you here, what you are trying to decide, what feels uncertain and what you would like the next few years to look like.
The aim is simply to give the conversation somewhere useful to begin.
03
Think beyond the numbers
Consider what you actually want the plan to help you do.
You do not need perfectly formed goals. Think about what brought you here, what you are trying to decide, what feels uncertain and what you would like the next few years to look like.
The aim is simply to give the conversation somewhere useful to begin.
03
Think beyond the numbers
Consider what you actually want the plan to help you do.
You do not need perfectly formed goals. Think about what brought you here, what you are trying to decide, what feels uncertain and what you would like the next few years to look like.
The aim is simply to give the conversation somewhere useful to begin.
The portal tells me what you have.
The meeting helps me understand what it is all for.
The portal tells me what you have.
The meeting helps me understand what it is all for.
THE FOUNDATIONS MEETING
We start with understanding.
This is where we connect your financial position with the life and decisions behind it.
THE FOUNDATIONS MEETING
We start with understanding.
This is where we connect your financial position with the life and decisions behind it.
THE FOUNDATIONS MEETING
We start with understanding.
This is where we connect your financial position with the life and decisions behind it.
UNDERSTAND
See the whole picture.
We talk through your circumstances, family, priorities and financial arrangements — not simply to collect information, but to understand why the different pieces matter and how they connect.
UNDERSTAND
See the whole picture.
We talk through your circumstances, family, priorities and financial arrangements — not simply to collect information, but to understand why the different pieces matter and how they connect.
UNDERSTAND
See the whole picture.
We talk through your circumstances, family, priorities and financial arrangements — not simply to collect information, but to understand why the different pieces matter and how they connect.
EXPLORE
Understand the decisions ahead.
We discuss the questions you are facing, what feels uncertain and the different directions you may be considering — from retirement and spending to family support and future wealth.
EXPLORE
Understand the decisions ahead.
We discuss the questions you are facing, what feels uncertain and the different directions you may be considering — from retirement and spending to family support and future wealth.
EXPLORE
Understand the decisions ahead.
We discuss the questions you are facing, what feels uncertain and the different directions you may be considering — from retirement and spending to family support and future wealth.
DEFINE
Work out what needs answering.
By the end of the conversation, we should understand which questions need further analysis and what the next stage of planning needs to explore.
DEFINE
Work out what needs answering.
By the end of the conversation, we should understand which questions need further analysis and what the next stage of planning needs to explore.
DEFINE
Work out what needs answering.
By the end of the conversation, we should understand which questions need further analysis and what the next stage of planning needs to explore.
The aim is not to leave the meeting with all the answers. It is to make sure we are asking the right questions.
The aim is not to leave the meeting with all the answers. It is to make sure we are asking the right questions.
WHAT YOU LEAVE WITH
A clearer starting point.
A clearer picture of where you stand
An understanding of how the different parts of your financial life fit together and where further information may still be needed.
A clearer understanding of what matters
The priorities, concerns and decisions that should shape the planning work that follows.
A clearer view of the questions ahead
The areas that need further analysis, modelling or exploration before any personalised recommendation is considered.
A clear understanding of what happens next
You will know what the next stage involves and can decide whether you want to continue.
There is no obligation to move beyond the Foundations stage.
WHAT YOU LEAVE WITH
A clearer starting point.
A clearer picture of where you stand
An understanding of how the different parts of your financial life fit together and where further information may still be needed.
A clearer understanding of what matters
The priorities, concerns and decisions that should shape the planning work that follows.
A clearer view of the questions ahead
The areas that need further analysis, modelling or exploration before any personalised recommendation is considered.
A clear understanding of what happens next
You will know what the next stage involves and can decide whether you want to continue.
There is no obligation to move beyond the Foundations stage.
WHAT YOU LEAVE WITH
A clearer starting point.
A clearer picture of where you stand
An understanding of how the different parts of your financial life fit together and where further information may still be needed.
A clearer understanding of what matters
The priorities, concerns and decisions that should shape the planning work that follows.
A clearer view of the questions ahead
The areas that need further analysis, modelling or exploration before any personalised recommendation is considered.
A clear understanding of what happens next
You will know what the next stage involves and can decide whether you want to continue.
There is no obligation to move beyond the Foundations stage.
AFTER THE MEETING
We turn the conversation into a clearer picture.
After the Foundations Meeting, I bring together the information you have provided with what we discussed during the conversation. From this I prepare your Compass Assessment — a structured assessment of your current position and the questions, gaps and planning considerations that deserve further exploration.
What is already clear.
The parts of your position that appear well understood or appropriately structured.
What needs exploring.
The decisions, trade-offs, gaps or areas where further analysis may be useful.
What may be possible.
The scenarios and planning questions worth exploring together.
The Compass Assessment is an assessment only. It does not contain personalised financial recommendations.
Its purpose is to give the next conversation structure.
AFTER THE MEETING
We turn the conversation into a clearer picture.
After the Foundations Meeting, I bring together the information you have provided with what we discussed during the conversation. From this I prepare your Compass Assessment — a structured assessment of your current position and the questions, gaps and planning considerations that deserve further exploration.
What is already clear.
The parts of your position that appear well understood or appropriately structured.
What needs exploring.
The decisions, trade-offs, gaps or areas where further analysis may be useful.
What may be possible.
The scenarios and planning questions worth exploring together.
The Compass Assessment is an assessment only. It does not contain personalised financial recommendations.
Its purpose is to give the next conversation structure.
AFTER THE MEETING
We turn the conversation into a clearer picture.
After the Foundations Meeting, I bring together the information you have provided with what we discussed during the conversation. From this I prepare your Compass Assessment — a structured assessment of your current position and the questions, gaps and planning considerations that deserve further exploration.
What is already clear.
The parts of your position that appear well understood or appropriately structured.
What needs exploring.
The decisions, trade-offs, gaps or areas where further analysis may be useful.
What may be possible.
The scenarios and planning questions worth exploring together.
The Compass Assessment is an assessment only. It does not contain personalised financial recommendations.
Its purpose is to give the next conversation structure.
THE NEXT CONVERSATION
Then we explore what may be possible.
If you decide you would like to continue, we arrange a Planning Meeting.
This is where we review the Compass Report together, explore different scenarios, choices and trade-offs, and begin developing a clearer direction.
You remain under no obligation to proceed to personalised advice or implementation simply because the planning process has begun.
THE NEXT CONVERSATION
Then we explore what may be possible.
If you decide you would like to continue, we arrange a Planning Meeting.
This is where we review the Compass Report together, explore different scenarios, choices and trade-offs, and begin developing a clearer direction.
You remain under no obligation to proceed to personalised advice or implementation simply because the planning process has begun.
THE NEXT CONVERSATION
Then we explore what may be possible.
If you decide you would like to continue, we arrange a Planning Meeting.
This is where we review the Compass Report together, explore different scenarios, choices and trade-offs, and begin developing a clearer direction.
You remain under no obligation to proceed to personalised advice or implementation simply because the planning process has begun.
CHOOSE A TIME
Book your Foundations Meeting.
Choose a time that works for you below. Your meeting details will be sent to you automatically once booked.
If none of the available times work, reply to my email and we’ll arrange another time.
By the time we meet, please complete the information requested through your client portal and review the documents provided to you.
CHOOSE A TIME
Book your Foundations Meeting.
Choose a time that works for you below. Your meeting details will be sent to you automatically once booked.
If none of the available times work, reply to my email and we’ll arrange another time.
By the time we meet, please complete the information requested through your client portal and review the documents provided to you.
FOUNDATIONS FIRST
Good planning starts with understanding your life before changing your money.
The information matters. But the value of the Foundations Meeting is understanding the person, priorities and decisions behind it.
That is what gives everything that follows a clearer direction.
FOUNDATIONS FIRST
Good planning starts with understanding your life before changing your money.
The information matters. But the value of the Foundations Meeting is understanding the person, priorities and decisions behind it.
That is what gives everything that follows a clearer direction.
Wealth Transfer Specialist Ltd is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107.
Wealth Transfer Specialist Ltd is registered in England and Wales, company number 15940667.
Registered address: 24 Picton House, Hussar Court, Waterlooville, Hampshire, England, PO7 7SQ.
Wealth Transfer Specialist Ltd - FCA Number 1056875
© 2026 Wealth Transfer Specialist. All rights reserved.
Wealth Transfer Specialist Ltd is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107.
Wealth Transfer Specialist Ltd is registered in England and Wales, company number 15940667.
Registered address: 24 Picton House, Hussar Court, Waterlooville, Hampshire, England, PO7 7SQ.
Wealth Transfer Specialist Ltd - FCA Number 1056875
© 2026 Wealth Transfer Specialist. All rights reserved.