LMJ is a firm of independent financial advisers specialising in the management of investment portfolios and pensions. We have been helping clients navigate complex financial markets since 2001 and from those very early days, our business has evolved primarily through client recommendations. Read More
Our initial meeting is usually without charge after which we provide in writing a full explanation of costs. We do nothing until we have a thorough understanding of our client's requirements.
With that knowledge, we can identify the products that will enable our clients to achieve their goals delivered by an entirely personal service. We then prepare and analyse recommendations, assessing benefits against cost.
Our final proposals are well-researched and constructed on the basis of what's best for our clients and nobody else. We are, of course, prepared to work alongside our client's accountants and solicitors.
We firmly believe in the importance of working together to build rewarding relationships and working closely with our clients enables us to help them fulfil and achieve their objectives.
Please follow the links for our full service proposition, client agreement and investment philosophy documents.
Creating a professional financial planning strategy.
We make sure we take the time to understand your needs, goals and preferences before we make any recommendations- this is the process we follow
We contact you to arrange a convenient time and place to meet
We'll require you to gather financial information in advance of our meeting. This will enable us to develop a clearer picture about your particular situation. To help us do this we'll need to see documents, including life assurance, mortgage, pension, savings, investments or bank statements. This is also an opportunity for you to outline the issues that you would like to discuss.
We assess your current financial position and help identify your goals.
At your review we provide information about our services and explain how we charge and the type of advice we offer. If there is anything you want to discuss, your review meeting is the perfect time to consider these other areas. We assess your assets and liabilities, discuss your objectives and priorities and consider your attitude to risk.
Using the information we obtain from you, we develop a detailed financial plan.
We look at whether the financial plan will fit in with your lifetime goals and make sure you are comfortable with the timescale for implementing the plan. We research the market, review different products and providers and follow up with the preparation of a document outlining a strategy tailored to your individual goals and circumstances.
We take you through our recommendations in details. We explain why we have chosen specific solutions and outline product features. Our goal is to ensure that you understand why we have recommended certain products or a particular advice strategy. We will also discuss the cost of any future work and explain how you can check on investment performance.
All the necessary product paperwork is completed and processed.
We make sure that all our recommendations to which you have agreed have been implemented. We will also liaise with your accountant or solicitor is appropriate.
At this point, you will agree how often you want to review your plans.
The frequency and level of contact you have with us is up to you. It could be face to face meetings, over the phone or by email. If your circumstances change, we also need to know so that we can review what further changes your plan may require. These would typically cover life changing events, including getting married, having a baby, a promotion or buying a new property- all events that may affect your finances and will require you to assess your financial planning strategy.
This process has to be underpinned by a joint commitment from both LMJ and our clients in order to ensure the successful completion of their financial goals.
LMJ Financial Management Ltd
Upper South Hall
Bullen Farm Business Centre
Kent, TN12 5LX
Tel: 01732 874111
Fax: 01732 874222
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