Our advice process
A clear process for connected financial decisions.
We make space to understand before moving to action, and keep the wider picture visible throughout.
The five stages of a PWG conversation.
The stages rarely happen in a straight line, and they are not a one-off project. They describe the way PWG works through a financial question and the rhythm that keeps the answer current.
- STEP 01
Understand the client
- What happens
- We start with a conversation about you — your circumstances, your responsibilities and what you want your financial life to make possible.
- What you can expect
- A relaxed, two-way conversation rather than a sales presentation. You set the agenda, and nothing is recommended before we understand the situation.
- Useful to have
- A rough sense of your income, spending and dependants, plus any decisions or deadlines on your mind.
- STEP 02
Assess the bigger picture
- What happens
- We look at the whole position — what you have, what you owe, what you are protecting, what you are building and who depends on you.
- What you can expect
- A clear picture of the current position, including the gaps that are easy to miss when each area is looked at on its own.
- Useful to have
- A list of your policies, investments, accounts and monthly commitments, if you have one.
- STEP 03
Agree on priorities
- What happens
- Together we identify what matters most, what can wait, and where the trade-offs actually sit.
- What you can expect
- An agreed order of priorities, with an honest view of what is affordable now and what needs more time.
- Useful to have
- Your sense of what is most important right now — and anything you already know you want to change.
- STEP 04
Consider suitable solutions
- What happens
- Where advice is appropriate, options are considered against your goals, your time horizon and your affordability, and coordinated with the specialists involved.
- What you can expect
- An explanation of the reasoning behind each option, including the risks, the costs and what would need to change for the answer to change.
- Useful to have
- Your questions about specific options. If you already have an instruction in mind, that is a useful starting point.
Any recommendation is subject to the appropriate information gathering, analysis and compliance process.
- STEP 05
Stay connected
- What happens
- Plans are reviewed as circumstances change — a new dependant, a career change, a business transition, a market shift.
- What you can expect
- A rhythm of contact that suits you, and a plan that reflects where you actually are rather than where you were when you started.
- Useful to have
- A change of circumstances whenever it happens. You do not need to wait for a scheduled review.
Specialist involvement
When your question needs someone else.
Some questions cross areas, and some belong with legal, tax, actuarial or fiduciary specialists. PWG's structure exists so that hand-off happens deliberately rather than by accident.
Within PWG
Where a question spans areas — business and personal, wealth and estate, employees and owners — the specialists are brought together and the work is coordinated by the adviser you meet.
Outside PWG
Wills, trusts, tax structuring and actuarial matters are handled by appropriately qualified practitioners. PWG identifies when that is needed, frames the question and works alongside them.
After your initial consultation.
You receive a summary
The discussion is written up so you have a record of what was covered and what was agreed.
Next steps are confirmed
If anything is to be arranged, the responsible entity, the steps and the likely timeline are set out with you.
A review point is agreed
You leave with a point in the diary and a named contact, rather than an open-ended promise to stay in touch.
Submitting an enquiry does not commit you
Requesting a consultation is a request to talk. It does not create an advisor-client relationship, it is not financial advice, and it does not oblige you to buy any product or service. You decide what happens after every conversation.
Make your next financial decision with clarity.
Tell us what matters to you. We'll connect you with the right next step.