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How we help

Getting to know you

Financial planning helps us to find out what’s important to you about money. We want to know about your family and your hopes for their future. We’ll find out what your dreams for retirement are, your long-held savings plans, and your risk tolerance.

Gathering information

We have a simple streamlined process that helps us to gather all the information from your existing providers to get a clear picture of what you have – your assets, liabilities, income and outgoings. This is when we’ll agree a fee for any further work. 

Designing your plan

We’ll craft a detailed plan and personalised report that outlines your current situation, your future aspirations, and the recommendations we’ve made about how your money can be invested.

Implementing your plan

We’ll put in place the recommendations we’ve made and provide you with the necessary paperwork. We’ll keep you updated until the process is complete.

Reviewing your progress

We’ll find out about anything that might have changed in your family or to your business that might mean making changes to your bespoke plan.

Monitoring

We’ll meet at least annually to check your plan and measure your progress against it.


Please note: The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.

Cashflow modelling

So that we can deliver a really detailed picture of your financial future, we use sophisticated Cashflow Modelling software. Based on your individual goals and using prudent assumptions, Cashflow Modelling shows you in real time how your future might look, and how it could change if something unexpected happened. And your bespoke plan can be adjusted as your circumstances change, enabling you to make more informed decisions about your money and maintain your financial wellbeing.

Read more about Cashflow Modelling in our blog.

Myth busting

There are lots of myths about how to make the ‘right’ investment decision, but there’s really no short cut to investment success. At Sutherland Independent we live and breathe the world of savings and investments, which means we can help you steer clear of these popular distractions. In the meantime, here are three of the most common investment myths and how you can avoid them.

Believing that you can beat the market

Unfortunately, there’s no such thing! Successful investing is about a long-term view and about being patient enough to see it through. At Sutherland Independent our philosophy is to be prudent and calm, which is how we get consistently good results.

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Making decisions based on recent returns

Just because something worked today is no indicator that it will work tomorrow. A better idea is to diversify, rebalance and stay the course. We’ve spent years developing our current knowledge and can give you a balanced view.

Investing in the next big thing

We’d all like to be able to predict which is the next Tesla or Microsoft, but unless we have a crystal ball, none of us really knows what tomorrow’s success stories are. But you don’t have to rely on the Big One to make it – careful decisions will serve you just as well.

“Someone is sitting in the shade today because someone planted a tree a long time ago.”

Warren Buffett