Tel : 01234 713131 
Jane Smith Financial Planning Limited. 
 
We use a tried and tested process, with four important phases. From the outset, we take the time to get to know you. It’s important that we understand your lifestyle as well as your hopes, fears and aspirations for you and your family, before we give you any advice. That way we can ensure our recommendations will match your goals. Likewise, it’s equally important that you get to know us, so that you can be sure our approach is right for you. 
We can then start to plan your route. Just like any journey, it always helps to know where you’re heading. That‘s why we provide clients with our Life Roadmap Service as part of our overall comprehensive financial planning package. This gives a detailed evaluation of your current financial circumstances and looks at more than just the value of your investments. It also considers what really matters to you, and how you’d like your life to look five, ten and more years from now. We can then produce your personal Life Roadmap Report, which gives you the direction you need to achieve your goals. 
 
You’re really on your way now and we can start to put our recommendations into practice. High quality financial planning advice is only the first part of your journey. If you choose our Product Implementation Service, we can recommend and implement the most suitable products to meet your needs, as identified through our advice process. We stress that we offer wholly independent advice and are not tied to any product range. 
 
Once you’ve started implementing our recommendations, you’ll hopefully be able to start ticking a goal or two off your list. But it doesn’t stop there. The key to successful financial planning is regular review; making sure your plan keeps up with changes in the financial and economic environment, as well as the changing needs of you and your family over time. And so we will continue to review your plan with you to help ensure it stays on track. 
 
The end destination may be in sight, but our involvement doesn’t end with just one piece of advice or investment solution. Instead, this is part of the overall financial planning process and we find it extremely rewarding to be part of people’s long-term plans; seeing them achieve their lifelong ambitions. 
 
Financial planning can incorporate many different services, including investment planning, retirement planning, inheritance planning or putting in place some protection for those closest to you. These may be requirements that overlap at the same time or occur at different stages in life. Rather than recommending specific products or funds, financial planning for us is more about looking at your overall requirements and ensuring you have a financial plan to meet those needs. 
 
Contact Jane Smith Financial Planning 
Phone 01234 713131 
Jane Smith Financial Planning Ltd. can be found at 7 Osier Way, Olney Office Park, Olney, Bucks, MK46 5FP 
We pride ourselves on being fully independent with access to the whole of the market. This means we can deal with a wide range of product providers for the products we recommend – and are not restricted to just one or two. That way you know you will be getting the widest possible choice. It also allows us to tailor our recommendations to what will suit you best. 
 
This independence is a critical part of how we work and means our advice is always based on a comprehensive analysis of the market and is unbiased, with no influence from product providers. If we should need to recommend a specific product, our independent status means we are not tied to any particular provider or limited product range. 
 
We are a service-based business and offer value for money and total transparency – this applies to our fee structure as well as our advice. We always meet with you, at the outset, to discuss your requirements and the initial meeting is always at our expense. All other fees are agreed by discussion and the level of fees depends entirely on the level of financial planning you require. 
To give you an example of our fee structure, a Full Financial Planning Service could look like this: 
 
Complimentary initial meeting 
A pre-agreed fixed fee based on your personal requirements, ranging typically from £2,000 to £6,000, which includes an Assessment Service, a Lifetime Cashflow and a Strategy and Portfolio Construction Service 
For product specific recommendations, our fees are typically as follows: 
Investment and retirement plans – between 1% and 3% of funds invested, typically 3% on the first £100,000, 2% on the next £100,000 and 1% thereafter 
Regular savings investment and retirement plans, typically £1,540 
Protection plans, typically £1,280 
 
As part of our on track review service, our fees are calculated on the basis of assets under our management, at a rate of 0.85% per annum, subject to a minimum fee of £3,000 per annum. 
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