Our process in financial planning

When you engage with carivonara, our advisers arrange an initial meeting—whether in person, by phone, or virtually. This session focuses on an open conversation to explore your circumstances, responsibilities, goals, and the outcomes you wish to see. We may ask about significant milestones, future plans, and any concerns you have. Our discovery approach is guided by care, not deadlines, allowing you time to consider your responses. We gather essential facts carefully, always respecting your confidentiality and pace. By investing in this foundational stage, we ensure all future recommendations are relevant and meaningful to you. During this process, we provide you with a summary of our understanding to confirm accuracy and alignment before proceeding.

After understanding your situation, our analysts and consultants carefully review all available information. We look at existing resources, potential challenges, legal or regulatory considerations, and areas for improvement or adjustment. This evaluation combines analytical tools, up-to-date industry data, and professional judgement. Our process does not involve speculative investment advice or product endorsement but focuses on presenting options with clear explanations. Throughout, we ensure confidentiality and incorporate your feedback. We summarise findings in a structured format and invite you to discuss nuances or ask questions before recommendations are made.

Once analysis is complete, our advisers provide you with a comprehensive summary outlining practical solutions. We discuss the reasoning behind each recommendation and review all feasible options. We help you assess trade-offs and implications of each, supporting you with honest, plain-language explanations. Recommendations cover relevant fees, APR rates, and any terms related to repayment or service. This step is interactive—your questions and preferences shape the direction and the final pathways explored. We never present a single course of action but ensure you understand the full landscape, fostering confidence in your decisions.

Life changes, and so may your needs. After initial recommendations, we offer regular check-ins—quarterly, annually, or as you prefer. These sessions are designed to review progress, revisit goals, and identify new opportunities or necessary adjustments. Our advisers are always available to answer new questions or help respond if unexpected challenges arise. This step helps reinforce your confidence, knowing you have a point of contact dedicated to your evolving needs. We document changes, update recommendations as required, and remain fully transparent about any new developments. Our long-term focus drives continuous outcomes for our clients.