One of the most important aspects of our service is to communicate effectively with the client. W&TM emphasises a high degree of individualised client service, firmly believing that a client's full understanding of our financial planning process is essential. Therefore, we provide extensive written communications as well as the opportunity to meet personally at the client's convenience.

• The planning process starts by identifying details of our clients’ financial circumstances. Having understood these, we then work with them to identify their plans, values and objectives and what they are seeking to achieve in terms of financial planning.
  

• The Financial Plan is centered on a cash-flow plan, which will show our clients, based on certain mutually agreed assumptions, what the financial picture may look like in years to come. We help our clients to visualise the future from a financial perspective.
  

• This comprehensive process involves a review of all areas of a client's financial situation. It involves establishing short and long-term goals, designing and implementing strategies to achieve these objectives’ and an ongoing review of their progress.
  

• Personal contact is continuous and can range from face-to-face meetings to telephone calls. In more formal meetings, topics discussed include the current investment environment, recent portfolio performance, asset allocation and future investment strategy.