Our process

We keep it simple and structured, so you always know what to expect from us.

Connect

Initial contact + enquiry

Your journey begins with a friendly introduction. We take the time to understand your situation, answer your questions, and see if Cadence is the right fit for you.

During this stage, we gather basic information, explain our approach to financial planning, and give you a clear sense of what to expect. You will also have the chance to explore our Wealth Platform and get a feel for how we work, all at your own pace.

Clarify

The Discovery Meeting

This is a chance to explore your life, goals, and values in depth. We use open-ended questions and “what-if” scenarios to uncover your motivations and understand how different choices could shape your future.

We also introduce our full planning process, services, and fee structure. While we focus on your priorities, we may also collect essential data to prepare your plan. By the end, we outline the next steps and required documents for the journey ahead.

Collect

Data gathering + cashflow modelling

In this stage, we gather the detailed information needed to build your financial plan. Using secure templates and the Wealth Platform, we capture your income, assets, liabilities, pensions, investments, and protection arrangements.

Once collected, we create a cashflow model to test different scenarios, such as early retirement, long-term care costs, or large one-off expenses, highlighting potential gaps or opportunities. We provide support throughout, making it simple to submit documents and complete forms.

Create

Formulating the financial plan

We translate the insights from cashflow modelling into a clear, actionable strategy. The plan links your life goals to the financial numbers and forms the basis for the next steps.

The draft plan summarises your personal goals, financial position, and results from the modelling, including potential gaps or surpluses. Recommendations on aspects such as investments, pensions, protection, and estate planning are also developed in preparation for the next stage.

Collaborate

The “recommendation” meeting

In this stage, we present your financial plan and recommendations. We start by revisiting your goals and showing how the plan helps achieve them, using clear visuals like cashflow charts to make concepts easy to understand.

By the end of the meeting, we will agree on the next steps and timelines for implementing your plan. You’ll leave with a clear understanding of the actions required and your role in the process.

Continue

Implementation + ongoing reviews

This stage is all about putting your financial plan into action and keeping it up to date over time. We help you complete all paperwork, guide you through signing documents, and monitor the progress of any transfers or applications.

From there, we continue to review your plan on an ongoing basis, adjusting as needed to ensure it remains aligned with your goals and circumstances. This helps you stay confident that your financial future is on track.

FAQs

If it’s on your mind, we’re happy to help. Here are the questions we get asked most.

Take me there

Can you help me retire early?

Yes. We can help you explore options for early retirement, assessing your current finances, future income, and investment strategy to determine what is achievable while balancing risk and long-term security.

What makes your firm different from other financial advisers and planners?

We are focused on providing clarity, control, and confidence with your money – we prioritise your needs and objectives and those of your family rather than trying to sell you products and investments. If it’s not right for you, we won’t do it.
We use cutting-edge technology to deliver our service to you. We’re entirely paperless, and all our services are delivered via the Cadence Wealth Portal app.
We’re independent and have no external investors, which means we are free to select the most appropriate solutions from the whole market. We’re not tied to any product provider or investment management company.
Although Cadence is a new firm, the directors and staff are all hugely experienced, highly qualified, and have lived and breathed financial planning for many years.

Do you offer cashflow forecasting/planning as part of your service?

Yes, cashflow forecasting is an integral part of our service.

Through working with Toby, we feel completely in control of our finances, we have a clear plan for the future and Toby checks in regularly to make sure we are on course.

Client of Toby’s

Recognised by our clients

At Cadence, delivering exceptional service is at the heart of what we do. Our clients’ feedback speaks for itself – highlighting the care and expertise we bring to every financial plan.

You can explore their verified reviews on VouchedFor and see why we consistently make a positive difference for the people we work with.

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