Whatever your plans are for the future – providing for your family, securing your retirement or passing your wealth to future generations – we can help you find the right solutions for your needs.
Here are just some of the areas we cover:
Whatever your plans are for the future – providing for your family, securing your retirement or passing your wealth to future generations – we can help you find the right solutions for your needs. Our clients enjoy working in close partnership with us, and value our genuine interest in helping them achieve their financial goals.
ERG Financial Planning Ltd was established in East Lothian in 2011. We have a team of Independent Financial Advisers, fully qualified through the Chartered Insurance Institute, working with clients and businesses across the UK and overseas. In addition, our Advisers bring with them several decades of experience gained in the UK banking and insurance sector.
The principal of ERG Financial Planning Ltd is a Chartered Financial Planner, Fellow of the Personal Finance Society and Chartered Banker.
We offer independent whole-of-market advice and so offer a wide range of high quality product options to clients in terms of how their assets are managed, whilst catering for different levels of wealth and investment experience.
Treating customers fairly is fully embedded in our company culture, with our clients’ needs taking priority. We aim to provide an outstanding professional service and offer bespoke advice tailored to each individual client’s needs and aspirations. We have many clients for whom we provide advice to multiple generations of the same family, with unique advice relevant to each client’s age and life situation. We prefer to conduct all meetings with clients on a face-to-face basis. However, in these changing times, where necessary we have adapted and implemented new ways of ensuring that we continue to provide our ongoing service – using digital platforms for virtual meetings and secure mail messaging facilities. We also have a fully integrated management information system, which allows clients to access their documents online and view details of their investments as and when they wish.
We offer an initial free consultation to new clients, many of whom are referred to us by our existing clients. Thereafter, we offer a range of fee options to suit all types of advice, to ensure we can provide clients with an ongoing advice service to ensure that their products and investments remain appropriate to their personal and financial situation.
The process of creating a financial plan covers several aspects of personal financial planning, which starts with a detailed factfinding exercise and then a discussion around our clients’ goals, objectives and their family’s financial future. We look at our clients’ needs with regard to investments, savings, retirement planning, taxation, and inheritance tax planning and use tools such as cash flow modelling and risk profiling to assist with this process. After the initial consultation, we will outline our recommendations in “plain English”, answer any questions, and agree upon the service we will provide.