Our advice and investment process
Our private client service is for UK individuals wishing to put in place a coherent financial/retirement plan and investment strategy.
We offer a lifetime financial planning service that can group your pensions, ISAs, GIAs and other investments to get them all working together towards your financial masterplan.
The typical advice and investment process is as follows:
Initial Meeting
We start with an initial meeting, either face to face or on the phone, where we can get a basic understanding of your situation and requirements.
During the session we will explain how we work and how we charge. We will also outline our initial thoughts on strategy and areas where we believe we can deliver value for you.
This meeting is at our expense and without any obligation to you.
Your Financial Masterplan
We will then analyse your existing assets before preparing your financial masterplan. This may include recommendations to consolidate your pensions and investment plans as well as a suitable investment strategy.
We can also include cash flow models to let you understand graphically the impact of our recommendations.
We believe our proposals are all made in a clear and straight forward way. We provide a detailed analysis of your existing policies and any recommended replacement policies.
We make sure all the charges and features, pros and cons of any suggested strategy are clear.
Ongoing service & review
To use a military maxim: “Every plan is great until the first shot is fired”.
Once your financial masterplan has been implemented, it is crucial that we review it with you regularly to ensure it remains on track to meet your objectives.
Life changes; and the financial world changes with it.
A typical review meeting agenda would include the following:
- General catch-up and update
- Objective review
- Risk update
- Regulatory update
- Strategic review
- Investment review
- Policy benchmarking
- Service level and fees
- Action plan
- Date for next meeting
Our advisers will be happy to arrange a call or visit or you are welcome to visit us in our St Albans office. Either way, please contact us using the ‘contact us‘ function or call our St. Albans office on 01727 734040 and we will make suitable arrangements.
Testimonials from our clients
Please find below feedback from clients with whom TISCO have built a relationship with on a private client basis.
These represent every un-edited (including typos!) response received from individuals.

