Client journey

Our client journey is designed with you and your goals in mind.

The process will help you to feel more confident that you have the financial flexibility to thrive, no matter what life and the markets may throw at you.

Here are the steps we follow:

1. Initial Meeting

As Financial Planners, we start by listening and getting to know you, your immediate concerns and your future aspirations. After gathering all the appropriate life and financial information we need, we will discuss how we can help you. If you agree to work with us, we will discuss a fixed, transparent fee structure before we start our analysis.

2. Analysis

We will apply decades of experience, thousands of hours of training and mentoring by the industry’s top experts to analyse the information we have gathered, and develop solutions to fulfil your short, medium and long-term needs and goals.

3. Recommendation

During this meeting, we will explain, in plain English, exactly what you need to do to achieve your financial goals.

This is where you will see in detail how we can improve your finances.

4. Implementation

Upon your agreement to proceed, we will action the strategy. Leave us to organise the paperwork and do the heavy lifting as we implement the appropriate solutions.

5. Review

One of the most important aspects of financial planning is to regularly review your circumstances, needs, and goals. This allows us to adapt existing solutions or recommend new ones to make sure that you are always on the right track.

Where you need investment advice, this involves the following steps:

Firstly, we look at what type of investor you are.

This includes looking at the level of investment risk you are willing and able to take.

We also look at how confident you are in making financial decisions.

Next, we evaluate and determine the investment strategy that is most suitable for your needs.

Most of our clients invest in one or more of our Evidence-Based Portfolios. This is a range of independent portfolios designed by experts to maximise investor returns and build lifelong wealth for our clients.

We can look at the marketplace to recommend an alternative where our Evidence-Based Portfolios are not right for you.

Finally, we ensure you stay in the right investment solution.

Everything changes, and we must regularly review what is right. We do not just regularly reassess the marketplace. We continuously reassess our understanding of our clients and their circumstances too.

A second area where we can help a lot is the less tangible (but no less valuable) area of behavioural coaching. We help guide our clients towards better decision making and stay focused on their priorities.

Please note, the value of investments can fall as well as rise. You may not get back what you invest.

What our clients say

We’re incredibly proud of the work we do. Here are the real words of real clients.

Matt has been my financial adviser for many years. During this time, he has always made himself available to advise on any matters that I have been concerned about. He has become a valued friend, with a wealth of financial knowledge.

Angela Payne

Twenty years ago, my accountant recommended Matt Webb as a first-class financial adviser and that has proved to be the case. He is always courteous and ready to explain any questions I may have.

Alan Young

Matt has been our financial adviser for a number of years now and we look forward to working with him for many years to come. His expertise, advice, guidance and reliability has been at the heart of the trusting relationship from which we benefit.

Lynne & Jim Newsome

I suffered a stroke at 58 and had to stop working to focus upon my recovery. PWS’s input was invaluable. They convinced me and my wife that we had amassed sufficient wealth to enable early retirement. I am now 61 and have made a full recovery and enjoy my retirement in the knowledge that I have a “financial partner” in PWS to allay my natural anxiety given the uncertainty we all have to navigate.


Matt has a very good understanding of his clients’ needs and nothing is ever too much trouble. Matt is very knowledgeable and explains everything clearly and in sufficient detail to enable an informed decision to be made. He deals with everything quickly and efficiently and responds promptly to every query. I wouldn’t hesitate to recommend Matt to anyone seeking any form of financial advice.


I have used the services of PWS for over ten years now. I have found their services and advice to be clear, efficient and prompt at all times. It has been refreshing to work with a company that is proactive and gives peace of mind that you really are receiving considered advice that specifically suits individual needs. I have had no hesitation in recommending PWS to personal friends as well as colleagues. Thanks Mo and your exceptional team - see you soon!

Phil Brown

I was introduced to Steve in 2008. I genuinely trust and appreciate the professional advice given to me and my family. The ongoing investment and pension advice has been invaluable through the good and the bad times and I have had no hesitation in recommending Steve to family and friends.

John Sutton

PWS Financial Consulting Ltd have been our financial advisers since 2005. They have always offered sound financial advice based on our investment objectives as well as our personal needs. They keep in regular contact and provide us with ongoing financial advice as our needs and markets change. They take the time needed to fully explain our options and to guide us in an appropriate direction. We feel as though they truly care about us, our finances and our future.

J & ME Leimanis

(Mohit) Thank you so much for helping me by sorting out my retirement, pensions and general finances. You managed to improve my financial gains through astute financial management, and greatly help reduce my losses during the crash a number of years ago. It helps so much when you speak in a down-to-earth manner, which assists my decision-making going forward.

A. W-Dyer

Having been a client of PWS for over 20 years, I cannot recommend them too highly. The levels of professionalism and product knowledge are excellent. They are fully interested in client and family circumstances and provide continuity of personnel which is crucial for client comfort. Their fees are realistic, and they make ease of consultation a priority. I would not hesitate to recommend their services.


I have been fortunate enough to have Matt as my financial adviser for over 10 years and during this time he has seen me and my husband through some major life events. These have included my own unexpected ill-health retirement and also for my husband, his cancer diagnosis, financial planning around this, his retirement and subsequent death. Throughout everything Matt has always been very personable, thorough, informed, efficient, responsive and has always dealt with us with great care and understanding, giving tailored advice to our own specific situation. Matt’s advice and support have made very difficult moments in our lives more manageable and have given me and my family a great base for a financially safe and comfortable future. I would not hesitate to highly recommend Matt as a financial advisor and I am very grateful that he has looked after us so well for so long.


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