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The Financial Review Process

By Peter Brooke
This article is published on: 9th July 2024

… why, what and how …

Whether you are an existing client of mine or not, and following on from my previous article on ‘The Value of Seeking Financial Advice’, I wanted to take this opportunity to go through the steps in our ‘Client Financial Review Process’.

The Financial Review Process

Firstly, and most importantly, it’s crucial to regularly check in on your financial journey, ensuring that we’re on track to meet your goals.

Secondly, we have a regulatory obligation to conduct a review at least once per year for all of our clients, whether this is in person or remotely.

Thirdly, we have a relationship which is built on trust and my understanding of, often, very personal details, so a regular catch up is a great way to nurture this relationship and ensure important issues are raised and discussed; and its a good excuse for a cup of tea and a biscuit [even if via Zoom].

A review won’t just be looking at what has happened over the last year but is designed to identify potential financial planning adjustments we might want to make if your circumstances are changing.

The review should, and will, include the following:

  • An update of your situation – incomes, bank balances, asset values, expenditures.
  • Changes to your situation – retirement, moving house, changing jobs, school fees etc.
  • Cash Flow planning update – are we still on target to meet your goals? … “am i going to be ok, and if not what do I need to do to make sure I am?”
  • Investment Portfolio performance update – has it out-performed or under-performed the risk ‘benchmark’ we have allocated? If so, why? Are any changes needed?
Financial review

Many of my clients have been through this review process over the years but I have made a few tweaks and so I wanted to take you through the steps.

The biggest change for us is that I will be asking many of my clients to update their situation directly onto the Secure Cash Calc Portal prior to our review, so I have the most up to date information in advance. This will give me a chance to review your situation before our meeting to ensure we get the most from our time together.

Of course it is not obligatory to use the portal as it is not appropriate for everyone, but if you would like to then do let me know.

The following summary explains each step.

The financial review process

Options for you…
The above summary is focused on the normal Face to Face or Zoom meeting review process, but I can also provide your review as an email or I can even record a video presentation of my update on your portfolio and cash flow plan which you are then free to watch at your leisure; then we can discuss any steps necessary and update any administrative requirements afterwards.

Please do let me know if you prefer to have an email or video review?


As you can see, it’s a collaborative process and financial reviews are a great way to check-in on how things are going and where adjustments need to be made, so if your situation changes, please don’t wait for the next review, get in touch and we can review early.

If you have any questions please use the the below channels, or the booking system – always drop me a quick message if you need a time slot outside of those available.

If you have missed any previous emails, click here to access the Archive.

For now, have a great day,

Article by Peter Brooke

If you are based in the Provence Alpes & Cote d’Azur area you can contact Peter at: for more information. If you are based in another area within Europe, please complete the form below and we will put a local adviser in touch with you.

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