Your independent Fee-Only financial advisers will generally follow the following process to define your needs:

• Step One    Understanding Your Objectives and Goals  
  This will generally include completing a questionnaire that details your finances and personal circumstances. It is important to complete this step so that your Financial Adviser is aware of all appropriate circumstances.
  
  
• Step Two    Developing Your Asset Allocation Model
  Your Financial Adviser will generally develop an asset allocation model and mix. This model defines your portfolio based upon the percentage to be held in stocks, bonds or cash.  
  
  
• Step Three Selecting Investments
  Once an asset allocation model is agreed to, your Financial Adviser will generally select appropriate investments so that you can meet your goals that were previously agreed. 
  
  
• Step Four   Ongoing Review
  You and your Financial Adviser will agree to the exact amount of ongoing review you that you desire or believe is appropriate. 
  

Because each person's needs and style are different, the approach will modified based upon your agreement with your Financial Adviser.