Your journey with us

We provide a first-class service which is entirely bespoke to you

It’s your life and every person is different; your goals, aspirations and challenges are different too. So we adapt our service to meet your needs and requirements.

We’ll support you throughout your financial planning journey which is made up of these five stages:

1. Initial consultation

We'll have a meeting to introduce you to how we work and to find out about you, your needs and goals. We'll discuss areas such as your retirement planning, what sort of investments you are considering or your protection needs. We will also get an understanding of the risks you're prepared to take when investing.

2. Financial review & initial recommendations

We'll request further information on your existing plans from your current providers. Then we'll analyse and prepare your report based on all the information we've gathered about you. The report will give you a snapshot of your current position and show you options that we recommend. These are to help you meet your goals or fill any gaps in your planning that we have identified.

3. Final recommendations

After discussing the Financial Review and Summary Report with you we'll agree what you would like to proceed with. Once agreed, we'll complete our market research to be able to recommend the plans and/or investments we believe are the most appropriate for you.

4. Implementation

The last stage is to make it happen. Once all the paperwork is completed we'll get your new plan/s set up for you and keep you up to speed so that you know when everything is in place.

5. Review

Plans change because of what happens to you personally and what happens in the wider world. With your agreement, we'll regularly review your personal and financial circumstances to help ensure your plan is on target and, if we need to, construct a new plan or tweak the one we've got.

Cash Flow Modelling – what is it?

At Advice Matters, we feel that Cash Flow Modelling is essential for true financial planning. In brief, it allows us to ask the three big questions:

What happens if …….?

Will I be all right if……….?

Can we afford to……….?

By building a model based on your wealth, assets and liabilities, now and in the future, we can get a real insight of how life events will have an impact for you. We can build a masterplan and factor in certain ‘what ifs’ along the way: retirement options, weddings, holidays, bank of mum and dad, care home fees etc. By giving you an organised and simple picture of your financial situation, now and in the future, we can truly aim to let you live the life you want with the money you have.

What our clients say

We have used Advice Matters to advise us and manage our finances for over 20 years. At this stage in our lives, we are now seeing things come to fruition and have peace of mind financially that we have reached our goals.

Our friend in Kendal

We've been talking since 1999

I'm very grateful for all Chris's good, solid and useful advice in planning for the future years!

Our friend in London

We've been talking since 2014

I was a bit scared about having a financial adviser until I met Chris Wheatman. He quickly put my mind at rest; no rushing, no selling, just keeping all information simple, in a language I could understand.

Our friend in Bolton-le-Sands

We've been talking since 2019

I have worked with Advice Matters since the business started. Between us, we have regularly reviewed my choice of investments and investment performance. I am pleased to say I am ready for retirement now at the age of 55.

Our friend in Wilmslow

We've been talking since 2004

I have used Advice Matters for about 20 years and have always found them to be a knowledgeable and professional team. My loyalty is to Chris Wheatman personally as he has always been my point of contact. Changing circumstances require changing advice and he has always been able to adapt financial products in a needs-appropriate way.

Our friend in Brazil

We've been talking since 1999

I have been dealing with Advice Matters since I started my first job when I was 17 years of age. The advice that has been given over the past 27 years has been great. Whether it was when I took out my first pension, right through to owning my own house and having to take out life insurance. A company I can recommend to any friends knowing they will be well looked after.

Our friend in Windermere

We've been talking since 1992

Advice Matters have changed my view of IFAs, with a client-focused approach, and a genuine concern for my priorities. I feel that with Chris and his team I have someone really competent at my side.

Our friend in Hereford

We've been talking since 2016

Reviews and Ratings for Financial adviser Chris Wheatman, Lancaster

Karen Faithfull Jeff Ellis Margaret McCaskie Steve Vickers Richard Freeman Richard Rigg Mark Trepte

Advice Matters is a trading style of Advice Matters Financial Planning Ltd which is authorised and regulated by the Financial Conduct Authority: 779172

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses are not able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.

Your journey with us

We provide a first-class service which is entirely bespoke to you

Cash Flow Modelling – what is it?

What our clients say

Contact us

Sign up to receive our newsletter