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How We Work

At Obsidian we set achievable goals with specific deadlines which is why we follow 6 clear steps to set out your own personal bespoke plan:

Stage 1 – Initial meeting

One of our advisers will meet with you to discuss your personal circumstances and your current financial situation. This will involve some detail so that we work with you to construct your personal plan. We effectively take a picture of where you are now, and then review where you want to be and when. Details of you, your occupation, your savings & investments, your mortgage, your current liabilities and your current tax position all help form the picture. From this we can build a profile of you which will help us to formulate your plan.

Stage 2 – Gather data and get goals and aims

Once we have a clear picture of your current situation we then move on discuss your objectives and aspirations. We will also take time to discuss and consider any concerns you may have. Part of this process will be to review your personal attitude to risk and reward, and your attitude towards investment risk. This is a crucial part of the process and will enable us to construct an investment portfolio which is bespoke to you and your plan. As our discussions progress you will see how these components fit into the building of your own personal plan.

Stage 3 – We prepare your Financial Plan

Together we will review our analysis of your current position, and give you our outline findings and initial thoughts for your plan. We'll present our recommendations and actions required for you to achieve your goals.

Stage 4 – Present and discuss your Financial Plan

Having now discovered where you are and where you want to be we can now begin to map out your own bespoke financial plan. This effectively forms the map or the route you will take to reach your required destination. We ensure we establish the most cost effective appropriate way to make your journey a smooth one. At Obsidian we pride ourselves in our ability to deliver our clients with the most appropriate solution to reach their goals.

Stage 5 – Implementing the Agreed Plan

It's now time to implement the plan. Now we have agreed with you the plan its now time to put things into motion.

Stage 6 – Review your Financial Plan regularly

During our discussion we will have established review dates and agreed these with you, these should take place at least annually, more regularly if required or requested. Regular monitoring of your Personal Financial Plan serves a very useful part of the plan, and ensures you are able to see progress towards reaching your goals. Of course, as we know, life often throws many changes at us and our reviews allow us to ensure any adjustments can be made as required.

Obsidian Financial Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 509756

Obsidian Financial Limited Registered Address: Obsidian House Hints Road Mile Oak Tamworth B78 3PQ. Registered in England & Wales, No. 06925501.

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