Our planning process

Our financial planning process follows six stages and is explained below...

Granite financial planning process


Initial meeting

The focus of the initial meeting is about introducing the firm and what we do. This is about both sides agreeing objectives and determining whether we are right for each other.

Discovery meeting

We will then move into the fact finding stage of the meeting which is about obtaining as much information as possible relating to your financial circumstances and objectives.

A key part of this process will also be to fully understand your level of knowledge and experience of investments including your attitude to risk and your feelings towards any risks of losing money as this will impact significantly on any advice given.

We use a standard risk-profiling questionnaire developed internally and may also use third party risk profiling tools where appropriate.

The impact these areas will have on your objectives will be discussed and recorded.

Research and report preparation

Using internal and external technical research we will prepare a financial planning report for you containing recommendations to suit your individual objectives. At all times, any recommendations will be assessed against your attitude to risk, time horizon, associated costs, past performance, asset allocation and expected returns.

Report presentation

We will always look to present our financial planning report to you in a face-to-face meeting.

The report will comprehensively outline your current position and will detail our professional observations in each area. By examining these observations against your stated objectives, we will recommend the actions we believe will, if followed, reduce the barriers to your objectives, minimise any risks we have identified and maximise the opportunities for achieving your goals.

The report will also contain the supporting information behind the recommendation including where applicable, illustrations and product brochures (including key features documents).


If any products are required, then Granite Financial Planning can implement them. Alternatively, if you prefer to implement them yourselves you are free to do so.


A review service will be available to help ensure your financial plans remain on track and to take action in light of changes in personal circumstances and changes in legislation.

Granite Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority | FCA No. 734432.
Registered in Scotland | Registered no. SC522812 | Registered address: Banchory Business Centre, Burn O’Bennie Road, Banchory, Aberdeenshire AB31 5ZU | Telephone: 01330 826544 | Email This email address is being protected from spambots. You need JavaScript enabled to view it.

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The general financial planning guidance provided in this website is based on our understanding of current law and HM Revenue & Customs practice, which are subject to change in the future. Whilst every effort is made to ensure the content of this website is correct, it does not constitute personal financial advice and Granite Financial Planning Ltd cannot accept any responsibility for it. There is a risk that investment returns may not achieve the desired result. Investments can go down as well as up. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk. Cookies are used on this website to record visitor numbers for analytics purposes.