What's gone well?
What didn't go so well?
Short-term (next 12 months)
Medium-term (next 5 years)
Long-term (rest of your life)
Confirm asset values, inflows, outflows & formulae used
Confirm assumptions are reasonable
Present the Lifetime Cash Flow forecast
Present back the "Bucket"
Outline possible financial prescriptions & remedies (if needed)
Prescriptions understood & agreed to
Confirm rebalancing of portfolios
Confirm arrangements for next year's APM
Value of home(s), business etc
Cost of living
Mortgages / other debts etc
Bank interest rates?
Annuity rates? etc
Please remember that, inbetween APMs, you must feel free to contact us to discuss ANY aspect of your life financial situation that YOU feel MAY have an impact on your ability to acheive your life goals & objectives. Similarly if there are major life changes that occur to you or your family at any time (events that may well cause you to reconsider your life goals and objectives, for instance) then please let us know.
Details of asset values, inflows, outflows, formulae used etc
Lifetime Cash Flow forecast
Liaise with Transact / product providers
Where necessary, send Suitability Letters confirming advice given