Process & Methodology

Our process is tailored to understand you and your goals, and to keep on understanding them over time.

Goals and circumstances can change. Working alongside you we will review your plans and investments and help you make sure your money is still working for you in the way you want.

The process falls into 6 steps, 4 of which will be repeated year on year, as we adapt and refine your financial plan, ensuring you are getting what you want from your investment.




Step 1: Getting to know each other


Your first meeting with IM Wealth Management is at our cost. We use this time to see if we’re a good fit with one another – to explain our costs and services, and see if we can help you with your goals.

We’ll talk about your aims and ambitions, and where you currently are on your financial journey.

In order to find out if we can help you move forward on this road, we need to think not just in terms of numbers, but of you as a person. We need to understand what it is you want to achieve, how soon you expect that to be, and the values you place on wealth.  

If we’re both happy that IM Wealth Management is right for you, we’ll agree the best way to proceed.


Step 2: Creating your unique financial plan

Part of our approach to clients is that we take the time to understand them as individuals. This allows us to build an investment plan that is tailored specifically to each individual client's needs. 


Key to this is the creation of your own profile – what we call a risk profile. We’ll talk about what you want to achieve – whether it’s a second home, retirement fund, or school fees – and when you want to achieve it by. We’ll also look at what assets you already have in place and how much risk you are prepared to take.

Find out more about how we create your individual risk profile.




3 common types of risk profiles

  • Low Risk

  • Amir - 56Amir is aged 56. He has some property equity and has been paying into a pension scheme for a number of years. These assets mean that he has enough income to comfortably meet his financial goals over the next few years and he has no wish for additional income. In light of this, a lower risk investment may be the more appropriate.


  • Medium Risk

  • Tom & Saskia - Late 40sTom and Saskia are in their late 40s and they have some surplus income, which they're using to both build up a uni fund for their teenage children and also contribute to their own pensions. They are unlikely to want to draw on their pensions for another 15 years or so and can therefore afford to take on more risk with their pension funds than would be appropriate for the uni fund, which they may need to draw on in the coming years. 


  • High Risk

  • Deborah - 33Deborah is aged 33 and has a high disposable income. She has a small pension into which she is maximising contributions, and she wants to ensure that this fund grows sufficiently to provide for a comfortable retirement and to meet potential care costs in the future. Since her investment is long term, she can afford a higher risk approach in order to make her money work harder for her. We would constantly review her level of risk exposure to ensure it remains appropriate and her financial plan remains on track.



Step 3: Designing Your Individual Plan

With your unique profile in place, we can start putting together your investment strategy.

We take time to get to know you so that we can find the investment schemes that work for you and your ambitions.

For us, every client is different. Understanding what you want to achieve, how much you wish to invest and how much risk you are willing to take, we can work with you to develop a strategy and timescale that suits your needs.

At the end of this meeting, we will have agreed a plan together and will move onto the implementation stage.

Step 4: Agreement to proceed

After our planning meeting, we’ll formalise our recommendations into your own bespoke wealth and financial planning report. This will outline both the method and expected outcomes of the strategy, as well as detailing the costs.

All our fees are agreed with you at the outset. Another reason we take time to fully understand you and your financial ambitions is so that we can be clear about the level of input you want from us and the amount of work this will require on our part.


This allows us to budget our time and calculate an individual fee schedule that accurately reflects what you can expect from us. Some investments may require only a simple plan and minimal monitoring; others may be smaller in value but more complex.

With our approach to fees, we ensure that we treat all of our clients in the fairest possible way.

Read more about our fair fee structure.


Step 5: Implementation

Once the plan and the costs are both agreed on, we can begin to put your plan into action.

We’ll now formally take on all your existing investments and discuss the appointment of investment managers where appropriate. You’ll get a copy of your plans and the fee schedules, along with any other information you may need about your account.



During this part of the process, there may be a lot of documents to sign – but we will keep up an ongoing dialogue with you throughout, making sure you’re fully aware of everything that’s happening and what needs to be done.

We believe in client engagement, and this is arguably the most important time for that. Just because you’ve signed the agreement doesn’t mean we drop off the radar – we’ll keep in contact.



Step 6: Monitoring and fine tuning

Your plan is now set up and running. We’ll keep a close eye on it to make sure it’s performing within the risk parameters we’ve agreed with you in the planning stages. If we’re worried about anything or think any changes need to be made, we’ll get in touch.

Every 6 months you’ll get a valuation of your account as well as a written investment review, however you can speak to us as often as you like. We make ourselves available and accessible for all of our clients.

At least once a year you'll be invited to meet to talk about your plan and how it’s performing.

At this meeting, we’ll run through this process again to check that your investment plan is the best it can be. For us, the advice process is an ongoing relationship. We understand that goals can change and adapt over the years, so we want to make sure that your plan continues to work for you.