Our Process
Our six-stage financial planning journey is built around you, your goals, your circumstances, and what matters most.
Our process
Whether you’re planning for the short or long term, we create a clear, practical plan to help you achieve your ambitions.
Our six-stage financial planning journey is built around you, your goals, your circumstances, and what matters most.
We follow a structured process to ensure nothing is overlooked, while keeping everything simple and easy to understand. As your situation evolves, we’ll adapt your plan to keep you on track—giving you confidence that your finances are in safe hands.
Step 1
Engagement
We begin with an initial meeting at our expense and with no obligation. This is an opportunity to get to know each other, understand your current situation and financial goals, and explain how we work, the value we provide, and the costs involved.
By the end of this stage, you will be able to decide whether we are the right fit and if you wish to move forward.
Step 2
Discovery
At this stage, we build a detailed understanding of your financial position by gathering information about your circumstances, existing arrangements, and future goals.
This includes collecting relevant documentation, liaising with providers where necessary, and assessing your attitude to risk and capacity for loss. This forms the foundation for your personalised financial plan.
Step 3
Research & Analysis
We then analyse your current financial position to assess how effectively your existing arrangements support your goals.
Taking into account factors such as taxation, costs, and suitability, we develop a bespoke strategy designed to align your resources with your short- and long-term objectives.
Step 4
Presentation
We present your personalised financial plan and explain our recommendations clearly step by step.
You will see how your current arrangements compare to your goals, what improvements can be made, and the actions required. You’ll receive a detailed report to review in your own time before making any decisions.
Step 5
Implementation
Once agreed, we put your plan into action.
As independent advisers, we recommend solutions from across the whole market. We handle all paperwork and liaise with providers to ensure everything is implemented accurately and efficiently, because a well-executed plan is key to success.
Step 6
Ongoing Planning & Management
Financial planning is an ongoing process. As your circumstances change, we regularly review and adapt your plan to keep it aligned with your goals.
We monitor your investments, ensure tax efficiency, and support you with structured income planning where needed. You’ll have ongoing access to our team, with regular reviews and proactive updates to keep your plans on track.
Based in South Wales, we provide advice to individuals and businesses across the region and beyond, offering clear, tailored guidance to suit your unique circumstances.
Whether you’re building wealth, planning for retirement, or securing your legacy, we take the time to understand what matters most to you - delivering thoughtful, long-term support to help you move forward with confidence.
Contact usTestimonials
Have a read through some of the latest testimonials from our fantastic clients
“I have dealt with Ian for a number of years and have always found him to be polite, courteous and informative. He is approachable and honest and I feel his advice is always in my best interest. I have recommended him to trusted family and friends.”
“We have found Andrew to be very professional and helped us to invest our money in the best possible was. He is always at the end of the telephone and if asked he will call to our home to answer any queries or concerns we may have, or if passing the office in Talbot Green you are always given a big welcome by his friendly staff.
He annually calls to the house to update us on our investments at a time and day convenient to us. I would highly recommend Vale Independent Financial Advisers Ltd.”
“My wife Margaret and I were approaching retirement and had to make some big financial decisions. A friend of ours, Angela, recommended we speak to her IFA Jon Perry, who had been advising her for many years. We were obviously anxious with regards to meeting a stranger whom we would potentially trust our life savings and pensions, but Jon soon settled our anxieties. He listened to our concerns and provided answers to our many questions, in plain English, settling our minds at ease whilst building up a high level of trust in his sensible advice.
We have, through Jon’s guidance, invested some of our long- term savings in ISA’s, and most importantly, transferred my frozen pensions which has resulted in both myself, and Margaret, being able to retire early and spend more time with our family. We always look forward to our regular meetings with Jon, who is always available with continuing advice and support for us in our retirement years, and therefore I would have no hesitation in recommended Jon to our friends and family. “
“Geoff Pengilley has been my financial adviser for over 10 years. He has always been reliable and contacts me regularly to review my pension and investments. He is very professional and has given me sound advice which is producing pleasing results.”
“Having completed nearly 40 years with a FTSE 100 company, I was looking forward to my retirement with what I thought was a good final salary pension. However, I decided to explore other options as the government had introduced the new pensions freedom act. Jonathan Webber was recommended to me by a friend. I met up with Jonathan and Oliver Harris in 2016, had in-depth meetings looking at options that would suit mine and my family’s needs. Since then I have been in contact with Jonathan on many occasions, I find him very professional, reliable and in my opinion has great knowledge as a financial adviser. He responds to my messages promptly, and regularly meets me with me for updates and reviews. I even get a text to say when he is going on holiday.
I have recommended both Jonathan and Vale IFA to many of my friends and family.”
“As a first-time buyer, the mortgage process felt completely unfamiliar to me, but Owain guided me through every step with patience and clear advice. He made the whole experience far less stressful, and I couldn’t have been happier with the support and reassurance he provided throughout.”
“Joe has provided me with expert business and retirement planning advice for a number of years, and his guidance has always been professional, clear, and reliable. I’ve been extremely happy with the support he has given us and the confidence it has brought to our future planning.”
“Paul came highly recommended to us just over 10 years ago when we were initially seeking a second opinion in relation to financial planning following the sale of our business and our subsequent early retirement. During our meeting, we were impressed by Paul’s knowledge and professionalism and it quickly became apparent to us that Paul fully understood our circumstances and concerns and had a clear plan as to the most appropriate and tax efficient way of managing our finances to meet our goals and aspirations in retirement.
Over the 10 years since we appointed Paul as our adviser, he has exceeded our expectations and we have felt most re-assured that our financial planning is in good hands allowing us to concentrate more so on the important things in life and that of enjoying our retirement.”
“Oliver has been my financial adviser for over 7 years. He provides a very professional and honest service. He has helped me greatly over the years. I would not hesitate to recommend him to somebody else.”