Our Process

At Hills Financial, we want to ensure you have freedom and choice when it comes to your finances and your life. Look at our simple five-step advice process to see how we work with you. 

Step 1 – Initial No-Obligation Meeting 

Just like any relationship, it is important that we get to know each other before we start working together. Therefore, we spend 30 minutes at no obligation to get an understanding of who you are as a person and what is important to you. You can also use this time to gather a better understanding of who we are, what we offer, and we can answer any questions you may have. 

During this meeting, we will together decide whether it is beneficial for you to work with us or not. We will get an understanding of what package is best for you and you will be able to understand the investment involved and what you could receive from it. 

We aim to develop a lifelong relation with you and believe that transparency and honesty are the keys to setting the foundations of a long-term working relationship. We genuinely have your best interests at heart and so we will ask you about your goals and current financial position so we can tailor our advice to you.

Step 2 – Discovery Meeting

The Discovery meeting is one where we dig a little further into the details of who you are and what is important to you.

Where do you want to be in five years? How do you want to be spending your time? What are your current concerns and worries around your money? Do you prefer to work more and spend more or work less and spend less? All of these are important questions that get asked so we can get to know you behind the numbers.

At this meeting is where we also confirm with you the ‘scope of advice’ based on the conversations we have had to date and the financial strategy areas that you are seeking advice on.

Step 3 – Prepare the Plan and Present our Recommendations

At this stage, we understand who you are, from your goals to your specific current financial position and it is time to do our research and prepare your Statement of Advice (SOA). The SOA will outline everything we have come to learn about you and will explain our recommendations. This is the opportunity for you to discuss the strategy in detail, for us to ensure that you understand it clearly and that you are comfortable to proceed to getting the ball rolling.

Step 4 – Get the Ball Rolling

We want you to achieve your financial goals and so, with your permission we begin to help you take the necessary steps to get that ball rolling. It is time to put into action all this work that has been put in by us both to create your tailored plan. 

Step 5 – Check in Time 

Your financial plan is a moving target and personal and financial circumstances can change over time. Even if your circumstances don’t change, the markets will, or legislation.

We do like to check in with you regularly and can offer an ongoing or annual review to help us (and you) track the progress of your plan and strategy, however this is optional and will be discussed with you once your initial advice has been put in place.