Welcome to Gracechurch Associates Independent Financial Advisers Milroy House Sayers Lane Tenterden Kent TN30 6BW Tel: 01580 765777 Fax: 01580 765678

Our background ...

Gracechurch Associates are fully Independent, and directly authorised and regulated by the Financial Services Authority.

Our in-house expertise has been gained over a period of 40 years in banking, international finance, physicals trading and the financial services sector. The combination of career derived knowledge and professional qualifications, coupled with life experience, makes Gracechurch a practice with a comprehensive understanding of individuals, their lifetime needs and their ever changing financial requirements.

Our Pedigree ...

Gracechurch's advice is as unbiased and independent as that given by the other professions, such as legal and accounting. Our clients can therefore be absolutely sure that research for their financial objectives is never limited by predetermined panels of sources, providers or solutions - the open market and all who play in it is our minimum standard.

We specialise in personalised financial planning by tailoring tax strategic asset supervision for each individual client and their specific needs. This will include, where appropriate, advice on protection, savings, retirement provision, and preservation of today's wealth as well as protecting estate values for future generations.

We at Gracechurch work face to face with our clients, and provide an agreed level of ongoing service as required by each individual. We will also co-ordinate any existing advice given by Solicitors, Accountants, Stockbrokers, Estate Agents, Mortgage Providers and Bankers.

We can be remunerated for our initial work, and ongoing service by either fees or, commission or, a combination of both - the final decision will only be by mutual consent.

Financial security, and therefore peace of mind, can only come from well thought out and timely planning - planning which must be constantly monitored and adjusted to meet changes in both government legislation and one's own personal circumstances.

The Next Step ...

If our style of personalised service for client specific advice and comprehensive financial planning is what you require, we will need to meet, or in the first instance at least speak, and establish that there is the potential for your ongoing benefit.

Our Process ...

In order to be provide you with a constantly monitored, updated and reviewed financial plan which brings the future into the present, and therefore enables you to better achieve your chosen lifestyle and goals, we go through the following stages:-

1. Agree your goals and objectives, both as to quantum and date.

2. Establish your existing and expected financial resources.

3. Analyse whether you are already in a position to meet your targets
- reality check
- review your tolerance to risk.

4. Formulate a strategic plan.

5. Implement the plan.

6. Set down a schedule for regular reviews.

By the time these steps have been taken and Stage 5 is established you will have received:-

- An initial report and strategy recommendation.

- A lifelong cashflow schedule projecting income and expenditure, indexed at agreed rates (the reality check).

The latter is updated at least annually, or more frequently if there are any significant changes to your circumstances. This document is critical and therefore the essential indicator to your cashflow, which will sound any warning bells as to when or if you will have too much or too little money.

Our Ambition

Our job is to ensure that you don't run out of money before you run out of time.