Our Approach

Here at Carrick Financial Management we like to keep things simple.

We take lifetime responsibility for the advice we give, and we promise to always act with honesty and integrity, and deliver reliability and value.
More specifically, our pledge to you is to:
– be open, honest and transparent in our dealings
– act with integrity in everything we do
– keep our promises to you
– deliver value for money

Rather than talk to you until you are dizzy about the myriad of financial products out there, we believe in starting at the opposite end. We sit down with you and listen carefully to what you want to achieve, and then together we look at how to get you there. All the decisions are yours, and there is no obligation to do anything. In fact sometimes, doing nothing is absolutely the correct thing to do, if all the right elements are in place.

By combining our expertise with a range of professional software tools such as lifetime cashflow forecasting and market trackers, we can help you plan for the future you want.
And your first meeting is always at our expense.

We follow a six-step transparent process, designed to keep you up to date with what is happening at every stage of our partnership.

Step 1 - Engagement

Identify your needs and objectives:
Our first meeting is a chance to get to know you. The more we know about your life, your circumstances and your goals, the better we can help you decide how to plan your financial affairs. We will also take the time to answer any questions you have about us, such as our experience, our approach and our charging structure. The first meeting is always at our expense.

Step 2 - Discovery

Gather information:
If you decide to proceed, we build on the initial consultation, agreeing your objectives and setting your goals. We also gather financial information so we have a well-rounded picture of your circumstances, and the facts and figures at our fingertips.

Step 3 - Research & analysis

Prepare an analysis of your situation:
This is when we work on your behalf to create a Personal Financial Plan. It combines an analysis of your current financial position, and highlights areas that need action.

Step 4 - Plan presentation

Develop an action plan:
We present and explain your Personal Financial Plan stage by stage, and answer any questions you may have. Your plan will have clear goals and targets, and include recommendations on how you can reach those goals over the agreed time period. At the end of our meeting you will have a clear understanding of your plan and how it will support your goals.

Step 5 - Implementation

Plan implementation:
This is where we action your plan, giving you peace of mind and the confidence that we are taking care of all the steps of turning your plan into reality.

Step 6 - Ongoing service & relationship

Monitoring your progress:
We see ongoing service a little like regularly servicing your car. Financial market conditions, products and legislation constantly changes, as do your life circumstances so where an ongoing service is agreed between us, your adviser will help you regularly review your Personal Financial Plan to make sure it is always on track with your objectives.