Providing peace of mind in a world full of uncertainty
“If you don’t design your own life plan, chances are you’ll fall into someone else’s. And guess what they have planned for you? Not much.”
Everyone has objectives and goals that they would like to achieve in life. To achieve them we must plan for them. Money is simply one of the tools available to help you accomplish your goals – but it’s a very important one. We work with our clients to plan around their life events, not their money events.
At Perceptive Planning we use an evidence-based investment philosophy to underpin proper, structured Financial Planning. We will work with you to create a plan which allows you to have more confidence in your future.
Your voice is your security
Our proud boast is that your unique voice is your security key – if we don’t recognise your voice on the phone, we have too many clients!
It’s certainly a bold statement, but it’s important to us. We work closely with our clients to ensure this remains true.
Our Work
Who we work with
Typically our clients are at a point of change in their lives, and are looking for focused, practical Financial Planning and Investment advice.
About us
We offer independence, hard-won wisdom and sound technical ability. Providing exceptional, personal client services is at the heart of what we do.
Our Approach
An important part of what we do is helping to get clarity and simplicity out of complexity and ‘noise’ – especially at times of change in our lives.
“Working with Perceptive has been a pleasure. Perceptive clearly enjoy strong relationships with all their clients as a result of their dedication and commitment, which has been evident throughout the process.”
Alan Hughes, Partner, Foot Anstey Exeter
What is Financial Planning?
Good question. Financial Planning aims to provide direction and meaning to your financial decisions. We take into account all the aspects of you, your lifestyle, your income and your goals, and put together a comprehensive plan to get you there.
This involves 6 clear and separate steps:
Step 1: Engagement
What are we trying to achieve together?
Step 2: Collect the Data
Start with the known. Gather it together in one place.
Step 3:
Analysis
What is the data telling us? What can we lean?
Step 4: Develop the Plan
This will be a collaborative and interactive process.
Step 5: Implementation
Do the doing required to move things forward.
Step 6: Review and Adjust
Real life is often different to the Plan. The ongoing relationship ensures we remain on track.
A successful retirement
Successful retirement means different things to different people.
For some, it is a financial outcome – to have enough money that they can never outlive it. For others, it’s the freedom from toil – winter commuting comes up in these conversations a lot! For others, it’s that greatest of achievements – financial independence. The opportunity to give something back, to be hands-on involved with causes and locations close to their hearts.
The point is, there is no one template, no one size fits all.
Our role is to work with you to put some ‘shape’ on what success means to you, and then see how we can best use the available resources to achieve that.
Sounds simple? Well, yes. But simple and easy may not be the same thing…
The mark of quality
Chartered Financial Planner
This prestigious award is the industry’s gold standard and a true benchmark of professional excellence and integrity. At the end of 2018, of more than 5,000 advisory firms in the UK, just 709 firms held this award. We were one of them.
Certified Financial Planners
Both of our directors hold Certified Financial Planner™ (CFP) status, the only globally recognised accreditation of financial planners. It’s quite an accolade as in the UK, from a population of 30,000 advisers, only 1,000 can claim to be a CFP professional.
Investment Management Certificate
Managing Director Shannon Currie holds this prestigious and specialist fund management qualification. Perceptive is one of only a small number of Financial Planning firms in the UK with this accreditation.