Our Process
At Acacia we’re a small team with a wealth of experience in financial planning. Our specialists work with you to create a jargon-free, simple financial plan based on a four- step process:
Step 1
Discovery
In this free, initial meeting, we’ll get to know each other, discover what’s important to you, and understand where you are on your journey. You'll leave this meeting knowing: - We’ve listened to your concerns and ambitions - If you’d like us to be your financial planner - How much designing and building a plan will cost
Step 2
Planning
Over the next 2-4 weeks, we’ll work with you to: - Clearly define your financial objectives - Review your existing finances - Design and present your personalised financial plan and cashflow models Following our design meeting, you'll know: - What actions you need to take to improve your position - Whether you are on track to achieve your money goals - How suitable your current arrangements are
Step 3
Execution
Once you’re happy with your plan, we’ll help you to bring it to life by: - Applying for suitable insurance - Organising your pensions - Setting up new investments - Moving cash between accounts
Step 4
Review
Once built, we understand your life and priorities may change. We’ll work with you to: - Review and adjust your plan as needed - Provide ongoing advice - Continue to help you make the right decisions with your money - Keep you on track with your goals
We hope that’s the start of a lifelong, proactive partnership. Along the way we’ll leverage our knowledge of your circumstances and ambitions, and a suite of technology solutions, to flag up things you should be thinking about, and ideas you might want to explore.
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Frequently Asked Questions
What is holistic financial planning?
Holistic financial planning is an approach that considers all aspects of your financial life, including investments, taxes, retirement, estate planning, and more, to create a comprehensive plan that aligns with your goals and values.
How do I know if I need a financial planner?
If you have financial goals but are unsure how to achieve them, or if you want to ensure your financial decisions are aligned with your long-term objectives, a financial planner can provide valuable guidance and support.
What does the initial consultation involve?
The initial consultation is a free, no-obligation meeting where we get to know each other. We discuss your financial goals, concerns, and current situation, and explore how we can help you achieve your objectives.
How much does financial planning cost?
The cost of financial planning varies depending on the complexity of your situation and the services you require. We provide a clear and transparent fee structure during our initial consultation, so you know exactly what to expect.
What is the difference between financial planning and investment advice?
Financial planning is a comprehensive approach that considers all aspects of your financial life, while investment advice focuses specifically on managing and growing your investments. Both are important components of a successful financial strategy.
How often will we review my financial plan?
We recommend reviewing your financial plan at least once a year or whenever there are significant changes in your life, such as a new job, marriage, or the birth of a child. This ensures your plan remains aligned with your goals.
Can you help with retirement planning?
Yes, retirement planning is one of our core services. We help you create a strategy that ensures you can maintain your lifestyle and achieve financial independence in retirement.
What if my financial goals change?
We understand that your goals may change over time. We work with you to regularly review and adjust your plan to ensure it continues to meet your evolving needs and objectives.
Do you offer tax planning services?
Yes, we provide tax-efficient strategies to help you minimize your tax liabilities while maximizing your wealth. This is an important part of our holistic financial planning approach.
How do I get started?
Getting started is easy. Simply contact us to schedule your initial consultation, and we’ll take it from there. We look forward to helping you achieve your financial goals.