top of page

Advisory Process

Advisory Process.jpg

The financial advisor will follow a six-step financial planning process in order to devise and implement a successful financial plan that is structured to achieve your aims and objectives. Each of the six steps are important in developing a financial plan that is tailor-made to your individual’s unique and personal circumstances.



Our client-centric approach ensures that we provide you with bespoke financial planning that is in line with your financial goals throughout your investment cycle.

The 6 steps of financial planning are:


Establish the client and the personal financial advisor relationship


At OCW, our financial advisors inform the client about the financial planning process, define the services offered and disclose their qualification and experience. This relationship is based on honesty, integrity and reputation.


Gather client’s data and determine the client’s goals and expectations


In the engagement with client the ­financial advisor will identify the client’s objectives, their needs and priorities in order to provide them with a suitable recommendation that suits the client’s personal and financial circumstances.


Analyse and evaluate client’s personal data


The financial advisor will analyse the client’s information as provided and perform a gap analysis between the client’s current financial position and the client’s financial goals and objectives.


Develop and present the financial planning report


Once we have gathered and analysed your information, the financial advisor will recommend an investment product(s) for investment that are suitable to your needs and objective.  This recommendation will be presented to you in a suitability report for consideration and acceptance. 


Implementation of the financial planning recommendation

If you accept the recommendation contained in the suitability report, we can then proceed to place your investment in line with the accepted recommendation.


Ongoing review of the financial plan and the financial planning relationship

A client’s needs will change over time and financial advice is an ongoing process which is concerned with identifying and satisfying both current and future client needs. The success of advisor/client relationships is largely determined by the extent to which those needs are met and regular reviews will be central to achieving this.

bottom of page