Personal Financial Planning

Our main focus is on providing an holistic fee based financial planning service covering all aspects of your financial affairs. However, should you prefer, or require it, we can restrict our advice to addressing a specific area or transaction. We are also willing to provide a second opinion on advice that you might have received from another adviser. Where a matter is complex or involves significant sums the fee is likely to prove to be money well spent.  

As a practice, we remain committed to encouraging clients to commit to undertaking regular reviews, thereby confirming the continued suitability of our advice and your existing arrangements in light of changes to your personal circumstances and objectives, the performance of current arrangements and changes to legislation.

Our Process

During our initial meeting with a client we would seek to understand the scope of the exercise to be completed and we would explain the main components of our advice process. If required we would also provide an indication of the likely fee for completing the work. The main components of our advice process are :-

  • Agree the scope of the exercise to be completed and document this in a service agreement
  • Gather detailed information regarding your current personal circumstances and objectives
  • Where relevant, secure detailed information relating to each of your existing financial arrangements
  • Establish your tolerance to investment risk using a focused Profiling Questionnaire
  • Develop an initial financial plan taking into account your needs and objectives
  • If relevant, identify suitable new arrangements
  • Refine your plan through a process of discussion and prioritisation taking into account affordability, timescales etc
  • Document any advice and recommendations for future reference
  • Agree and implement your agreed plan
  • Agree a review procedure to monitor and update your strategy as required


Throughout this process Optima will establish and maintain full records on our system and will document any meetings that we have with you and any agreed actions to support the management of the exercise. 

Our Advice

Everyone's circumstances and requirements are different and there may be aspects of your financial affairs that require more in depth and specialist knowledge. These areas can include, but are not limited to, Inheritance Tax Planning, Pension Transfers, Pensions & Divorce, Investment Portfolio Reviews, Pre-Retirement Planning, Immediate Retirement Planning.

In our experience reviewing one aspect of a person’s financial circumstances will usually impact on other areas and generally result in a requirement to review a person’s overall position, an holistic review.  

At Optima, our advisers share a wealth of knowledge and experience and this ensures that a client will receive advice on all key financial planning matters and at a level appropriate to their requirements.

We always look for opportunities to work with a clients other advisers where this can deliver enhanced and better co-ordinated outcomes for a client.

Further Information

Full details of our fee based Personal Financial Planning service can be found in our Introductory Pack. Please contact us if you would like a copy.

Copyright © 2017 Optima Financial Services Ltd. All Rights Reserved.
Optima Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

FCA reference no. ​192289 see https://register.fca.org.uk

Optima maintains a written complaints procedure and you may refer to Financial Ombudsman Service see www.financial-ombudsman.org.uk.

Services coverered by Financial Services Compensation Scheme up to £85,000 - see www.fscs.org.uk 
Optima Financial Services Limited are Chartered Financial Planners and members of the Society of Pension Consultants.
Registered in Scotland No 202196, 2 Bon Accord Square, Aberdeen, AB11 6DJ