Our Process

The financial planning process would start with an initial meeting either at our client's home, place of work or Vale's offices in Market Street Altrincham. There would be no charge for this initial consultation, which is essentially to allow us to gather the relevant information to form a firm basis for the advice being sought.

Normally at this point an agreement may be reached regarding our remuneration i.e. by fee, commission, or a combination, for the work we are about to undertake. If it is complex we may need to write to you when we have a clearer idea of what the cost is likely to be. No fee generating work would be undertaken without your prior agreement.

We would analyse this information to clearly define a client's aims and objectives and create a formula for meeting those. Research of the various companies in the marketplace and a recommendation of the most suitable products would then be incorporated into our written report, which may be dispatched by post or presented in person at a second appointment.

When a client is satisfied that this accurately meets their criteria we would prepare the relevant application paperwork for completion at a second or subsequent meeting.

Your Vale consultant would conduct this process personally from start to finish, involving colleagues with specialist knowledge in specific areas if required.