Holistic Financial Planning
Life is complex, and everyone’s financial position should reflect that while remaining simple to understand. At PFM Associates, we take a comprehensive view of your entire financial situation, including your assets and long-term objectives, to develop a tailored, bespoke financial management strategy that supports you and your loved ones throughout your life.
Professional, Bespoke Financial Management Services in Poole
When we talk about holistic financial planning, we’re talking about a process and service that considers every aspect of your financial life as interconnected pieces of a larger puzzle.
Rather than, for example, addressing pensions and investments in separate, isolated segments, we take the time to explore how each element works together to support your long-term goals and lifestyle aspirations.
Our Chartered financial planners analyse your current position, understand your future objectives, and create a tailored roadmap.
Our tailored roadmaps consider your:
- Income and outgoings
- Pensions
- Retirement plans
- Investment portfolios
- Savings
- Potential tax savings
- Personal wealth
- Insurance and protection needs
- Estate planning
- Long-term care provisions
- Available routes to unlock capital
What our clients say
Comprehensive Personal Financial Planning
At PFM Associates, we never offer one-size-fits-all or off-the-shelf solutions. In our consultations, we take the time to understand your financial circumstances but also, more importantly, your values, concerns and aspirations.
We break down complex financial concepts into clear, actionable advice that makes sense for your specific situation. Whether you’re a busy professional juggling career and family, a business owner planning succession, or someone approaching retirement, we adapt our expertise to meet your needs.
We’ll take as much time as possible to help you understand how your financial decisions and investments intersect, giving you confidence in your choices and peace of mind about your future. We will identify opportunities to minimise tax across different areas of your wealth, wherever possible, and ensure your long-term financial plan includes suitable protection against unforeseen circumstances, such as the risk of a serious illness.
Life changes very quickly, and by extension, so can your financial plans. Our comprehensive approach means that we can adjust your strategy as your circumstances evolve.
Why Choose PFM Associates?
As a Chartered financial planning firm with over 25 years of experience, we combine deep expertise with a personable and friendly approach. We’re completely independent, meaning we can access the whole market to find solutions that truly serve your best interests, rather than ours.
Our transparent fee structure means you’ll never face hidden costs or advice that’s purely driven by commissions. We focus on building long-term relationships with our clients, becoming trusted partners in your financial journey rather than just advisers you see once a year.
Book a free, no-obligation initial financial planning consultation with one of our Chartered financial planners in Poole, Dorset today.
The value of your investments can change, so it’s important to ensure you get the best possible return on your investment.
Why work with us?
There are many reasons why over 2,000 people in Dorset, Hampshire and the South have chosen us to help them on their financial journey.
Be advised that the Financial Conduct Authority do not regulate tax or estate planning.
FAQs - Holistic Financial Planning
Holistic financial planning takes a comprehensive view of your entire financial situation, including budgeting, debt management, savings, investments, insurance, tax planning, estate planning, and retirement goals. We work with you to create an integrated strategy that ensures all aspects of your finances work together to achieve your unique life goals.
Financial planning fees vary significantly between advisors and depend on the complexity of your situation. Some advisors charge fixed fees for initial plans, others charge based on assets under management, and some use hourly rates. Fees can range from a few hundred pounds to several thousand – PFM Associates is committed to complete transparency and will always provide clear pricing for our services – everything will be explained in your client agreement and disclosure documents.
The initial comprehensive financial plan typically takes 4-6 weeks to complete after our first meeting. This includes time for data gathering, analysis, strategy development, and presenting our plan to you. Implementation and ongoing reviews can then happen according to your agreed schedule.
Different financial advisors have varying minimum asset requirements. Some work with clients regardless of their current financial position, whilst others may require minimum investable assets of £50,000, £100,000, or more. We work with clients at all stages of life, providing truly individualised, life-stage-specific planning.
Review frequency varies between advisors and service levels. Many conduct annual comprehensive reviews with quarterly check-ins, while others might review plans more or less frequently depending on your circumstances. Life changes such as marriage, divorce, job changes, or inheritance tend to trigger reviews, regardless of the scheduled review cycle.
Please note, The Financial Conduct Authority does not regulate estate planning or tax advice.
Ready to start your journey?
If you have any questions or would like to organise a no-obligation consultation at our expense, please complete this form.