How we work together

For over 20 years, clients have trusted us to help them to achieve their lifetime goals. If you haven’t worked with a financial planner before, here is what you can expect on your journey with us.

Step 1


We’ll arrange an initial consultation at no cost to you. This is our opportunity to get to know each other and help you to identify your lifetime goals. We’ll also assess your financial needs and your attitude to risk when it comes to investing.

Step 2

Research & recommendations

We’ll research the most appropriate solutions which will utilise your finances to achieve your lifetime goals. As part of this, we may undertake a cashflow analysis to determine the impact of key life events, such as retiring or receiving an inheritance.

Then we’ll put together our recommendations for what you need to do on your journey towards achieving your goals. This is called a suitability report. This details the investments and other products that we recommend you invest in or purchase.

Step 3


Once you are happy with our recommendations, we’ll get to work to implement them. We’ll deal with the practicalities of the documentation, including arranging new policies and plans, transferring existing arrangements and arranging fund switches, where necessary.

Step 4

Ongoing planning & advice

Many clients choose to continue working with us to ensure that they stay on track throughout their journey. Over a lifetime, it stands to reason that things will change, sometimes for better, sometimes for worse. We’re here to help you on your journey towards achieving your life goals. So, if you wish to benefit from our guidance and support over the long term, we recommend that you take up our ongoing planning and advice service.

What our clients say


Mr & Mrs Whatman

We have known John Skipton for six years. John Skipton is always patient and gives good sound advice. I would be happy to recommend John Skipton and PFM Associates to anyone should the situation arise.

Christchurch Clients since 2014


Mr Laney

John has a very strong ability to explain complex financial matters in a simple and concise way, without watering down the key points of detail. This is important when I am making decisions about my financial future.

Bournemouth A client since 2015


Mrs Razey

Thomas Wilson is always professional and the advice has been good. It has been reassuring to find an adviser that I could fully trust. PFM have always been open and honest with me and my family.

Dorset A client since 2016


Mrs Drysdale

PFM have been our Independent Financial Advisers for many years. We like the fact that each adviser has their own area of expertise, so clients have access to a wide knowledge base. We feel confident that our money is well-managed and highly recommend PFM.

Dorset A client since 1998


Mr R C Brady

I was introduced to PFM by a family member about eight years ago, in order to obtain personal pension planning advice. I have been very pleased with the advice given by my adviser, for my pensions and for wealth management. I have no hesitation in recommending PFM.

Bristol A client since 2012

Ready to start your journey?

If you have any questions or would like to organise a no-obligation consultation at our expense, please complete this form.