Reality-based financial planning places your goals at the heart of everything we do. Our work is cemented in reality; the real things that you want to achieve, and the real life that you want to attain in the process.

The process we followed is inspired by a series of tweets by Certified Financial Planner and author, Carl Richards. Here are the four stages we follow:

Step 1: Why?

Before you can plan, save or invest, you need to confirm why you are doing it.

We will help you get a clear idea about your values, then align what’s important to you with your goals.

Before you decide if you’re going to take a car, plane, or train, you need to first decide where you want to go. So, where to?

Step 2: What?

You can’t make a plan if you don’t know what you want to achieve, so it’s time to set some goals.

Goals don’t have to be concrete and unchangeable. They will inevitably change, so your route to achieving them will need to be flexible.

Once you know where, the next question is what shall we do about it?

Step 3: Plan and move forward

Once you’ve got a list of goals, rank them in order of risk. Risk is defined in this context as the consequence of failure.

If you don’t meet the goal, how severe would the consequences be? The higher the consequence, the more important the goal. We can help you with this.

Address the riskiest goal first. Then the next. Then the next.

This is the plan. We can then agree on how to achieve it.

Then, how shall we get there?

Step 4: Course correction

The key to any real plan is the acknowledgement that it may be wrong. Your goals may change.

Your financial plan is worthless without the ongoing process of planning. A good financial plan is a living document. A good plan is a process, not an event.

It’s not an outdated map; it’s a guide for an ever-changing landscape. We will help you to use it.

Are we still going in the right direction?

What our clients say

This company has provided me with expert financial advice and support. Without them, I wouldn't enjoy the happy retirement I am now experiencing. I may also say that the whole process has been - dare I say it – fun!

Mandy, Cannes

A client since 2005

We have been extremely satisfied with the advice we have received from Higgins Fairbairn and would thoroughly recommend them.

Steve, Ascot

A client since 2006

A very sound business who knows what they are talking about and deliver advice succinctly with knowledge.

Dr A., Pinner

A client since 2003

Higgins Fairbairn really takes the time to understand our financial goals, put together a clear strategy while anticipating future requirements and reliably look after the whole process. All this in a knowledgeable and friendly manner.

Nikki, High Wycombe

A client since 2012

Gp has been very helpful in reviewing our finances and making great recommendations on investments and other financial matters. I would not hesitate to recommend him.

Mrs D, St Albans

A client since 2015

Higgins Fairbairn have been providing a quality service to me for many years. In all those years, I’ve never felt or needed to look elsewhere.

Robert, Stourbridge

A client since 2006

We have been with Higgins Fairbairn for over 30 years, during which our lives and circumstances have required professional financial advice which took account of our particular needs and wishes. This was always provided in a friendly, supportive and empathetic manner, which we have much appreciated and come to depend on. It has been a great benefit to have a company like Higgins Fairbairn, who are accessible and reliable, to look after many vital aspects of our affairs.

Mrs and Mrs F, London

Clients since 2006

My wife had very complicated pension arrangements which were sorted out with doggedness, patience and skill.

Arthur, London

A client since 2007

Decisions about retiring early were made easier after consultation with Mr Mantini. He answered all questions in a straightforward manner and inspired confidence in his knowledge of options available to me.

Ms A, London

A client since 2015

As a retired person, I appreciate the advice Higgins Fairbairn give me which fills me with confidence for the future and leaves me relaxed about my financial affairs.

Mr P, Barnet

A client since 2007

Higgins Fairbairn offers a personal and informed service to its clients in an environment of confidentiality and tailoring to the needs of the individual. Staff know their brief and execute it well.

Jane, London

A client since 2010

We have always found that Gp and his team have given us an excellent service and have gone to great lengths to understand our personal circumstances and needs.

Mr O, London

A client since 2008

Over the last 25 years, the Higgins Fairbairn team have always been there for me. They are outstanding in their knowledge and helpfulness.

Sue, London

A client since 2005