ABOUT
Financial freedom to enable you to make the most of life’s journey.
Pathfinder Financial Planning places our efforts on the journey clients undertake to pursue their goals and aspirations in life. Our mission is to provide the right support to enable you to work towards a financial plan that gets you to where you want to be.
As independent Chartered financial planners, we look to build long-term relationships with our clients. Engrained in our philosophy is the commitment to being part of your journey to help you achieve your goals through a smart financial planning process.
Our team is guided by 3 core values.
Investment of time
The commitment of time to work with you at every stage of our relationship. Develop a detailed knowledge of your circumstances and requirements to allow us to create then execute a flexible, tailored roadmap to achieve your financial goals.
Building trust
We are committed to providing you with an honest service and at with integrity and your best interests at the heart of everything that we do.
Operate transparently
Taking an open approach to all aspects of the service we provide to you from fees to the scope and scale of work we deliver to you. Our upfront attitude ensures there are no hidden surprises for you at any stage in your journey with us.
How we work with clients
The fact-finding stage is essentially an information gathering process focused on two key areas:
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Existing financial & personal provisions, and current circumstances |
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Goals and objectives |
Gaining a full understanding of you and what you’re looking to achieve enables us to lay the foundations for a robust financial plan. A really important part of the process, with emphasis placed on getting this right.
Review
An in-depth review of your existing financial provisions that will include pensions, ISAs, protection policies, and investments. Providing you with advice on the areas of strength and where you could improve your financial planning to meet your objectives. This also includes an assessment of your risk profile to ensure investment recommendations are consistent with your attitude to risk.
Based on what we have learned about you, we create a bespoke financial plan to meet your goals. This is an interactive cashflow model that works in several ways:
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Allows you to visualise your financial future |
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Takes into account any risks and restrictions |
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Test ‘what if’ scenarios for the future |
As with life, your financial needs constantly evolve and you require a degree of flexibility. Our model will allow your plan to adapt over time through our ongoing discussions and reviews. As you navigate life’s challenges and the opportunities that are presented, we can continue to support you and guide you toward your financial goals.
Recommendation
A detailed advice proposal will be outlined to you containing your financial plan and our suggested strategy. This will include our recommendations on what to do next and the provisions you should undertake.
Implementation
When you’ve reviewed and are comfortable with our recommendations, a final meeting will be set up to clarify any queries and seek mutual agreement to move forward. We’ll assist you in completing all the necessary documentation and guiding you through the process.
Ongoing reviews
To remain on track in achieving your objectives, there are regular reviews to ensure we’re continually assessing your circumstances. This is all part of building a successful long-term relationship. We recommend meeting at least once a year to review your finances, make sure our recommendations remain appropriate for you, and carry out adjustments where required. The reviews allow for a thorough appraisal of your investments and the recommendations for any changes or to consider new opportunities. After every meeting, you’ll receive a written review and the appropriate advice to ensure your plans remain on track.
Pathfinder Financial Planning is an independent company which means we can look at the whole of the market to find the right products for your needs. Focused on building long-term relationships with our clients to give you the freedom to enjoy life at whatever stage you’ve reached.
Here’s what some of our customers say about the service we provide…
Navtaij Hundal has been my Financial adviser for approximately 8 years.
He has a good work ethic, coupled with a sound knowledge on money matters and dispenses this knowledge in a friendly reassuring manner. He is totally honest & reliable, committed to giving good service whilst being approachable & understanding of my circumstances.
I have known Nav since 2014 when I was looking to consolidate my numerous different pensions from previous employers, his help and advice were excellent and with his guidance I was able to take early retirement and pay off my mortgage. His support through the recent challenges presented by Brexit and then the pandemic have been so important and would strongly recommend him to anyone looking for investment or pension advice.
We are pleased we met Navtaij. He has provided invaluable advice to help my family build its portfolio, through careful tax planning, investment advice and pension provision.