What is the "Rowan Planning Process"?
We do not believe we have the right to 'tell' you what to do with your money. Instead our planning process will educate and help you understand the decisions you make.
The 'Rowan Planning Process' consists of the following six steps:
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Introduction & Instruction
Rowan will explain and document the services to be provided, including details of how we will be paid and by whom.
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Discovery
Our advisers will take the time to understand your hopes, aspirations and concerns. In turn you will be required to provide information about your assets, liabilities, income and expenditure.
If necessary we will also determine exactly what your existing arrangements are; obtaining with your permission further information directly from your current providers.
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Analysis & Evaluation
Rowan will analyse the collated information to assess your current situation and determine what action needs to be taken now and in the future to meet your goals.
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Creation & Presentation of a Strategic Plan
Your adviser will present their findings and recommendations to you in the form of a written financial plan. This will quantify exactly how close your existing arrangements come to achieving your financial objectives and identify areas of weakness and vulnerability.
Once you have had the opportunity to consider your plan we will discuss it with you personally, helping you understand the recommendations and the rational that sits behind them, whilst addressing any concerns you may have.
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Implementation
We will then agree on how best to implement the recommendations. Where appropriate we will co-ordinate the whole process with you and other professionals such as your solicitor and/or your accountant.
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Review
Finally, you will determine how your strategy will be reviewed, updated and adjusted, if needed, as your life changes.
