Our Process

Our Process. 

Chapelwood Financial Planning identify key areas for protection. In all cases we carefully review your current and future financial circumstances, identify the most key financial needs and areas for planning and protection, present a personally relevant range of choices and implement the preferred option. We then monitor and review performance, volatility and charges on a regular basis.


In addition we’ve found three things that ensure you get the best results:


You must be honest and open with us. We have developed a confidential process to ensure that you can tell us exactly what your current situation is right now. You need to be clear about what you expect and want. Our process is designed to clearly identify your genuine needs and priorities going forward. You need to take action. If we have done our job properly you will be more than confident to implement the appropriate strategy.


To ensure we achieve these three outcomes it starts with our Full Financial Review.

Full Financial Review...

We have developed a straight forward six-step financial planning method, that includes Financial Review, Research, Options, Implementation, and Review. It's simple but it works.





Our Six Step Process

Step 1 - Fact Find and Attitude to Risk questionnaire

The first stage involves getting to know you, your circumstances and your financial aims and objectives. This allows us to understand your investment timescale, your past experience of investing and whether you are looking for growth, income or a combination of the two.


As part of this process together we discuss and agree on a risk profile for each of your proposed investments. For example you may wish to use a more cautious approach for shorter-term investments and a more adventurous approach for a pension fund you expect to access in 20 years’ time.


Step 2 - Analysis

We still start with current financial circumstances and if necessary we also analyse any existing policies and plans to establish whether they are best suited to your needs or whether improvements can be made.


We also assess your financial goals to identify any shortfalls or gaps in your financial planning.







Step 3 - Research

Research is conducted to find the financial products or arrangements which most closely satisfy your needs and objectives. We will obtain illustrations and provide cost and benefit comparisons to discuss
with you which will form our recommendations.


Research is conducted to find the financial products or arrangements which most closely satisfy your needs and objectives. We will obtain illustrations and provide cost and benefit comparisons to discuss
with you which will form our recommendations.


Step 4 – Implementation

Where a recommendation is made, the specific reasons for our recommendation are presented to you in person to allow you to ask any questions you may have. At this point we also discuss ongoing fees and charges.


With your agreement, we then implement the recommendation on your behalf. We ensure that all applications and paperwork are correctly completed and submitted in accordance with our discussions.


Step 5 – Follow Up

Once any application is submitted we will liaise with the product provider to ensure the smooth implementation of the plan or policy.


We will send you a formal recommendation report for your consideration and then keep you regularly updated during the application process.





Step 6 – Reviews

The scope and frequency of our ongoing reviews will depend on the level of service you have chosen.


Typically, we perform an annual review but in any case the portfolio is internally reviewed on a quarterly basis.





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