Consultations
The path from first call to written recommendation
Financial advice works best when both sides know the rhythm. Here is how a Hearthstone consultation typically unfolds for retirement, transfer, and protection work.
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Discovery call (30–40 minutes)
We listen to the decision you face — retiring early, reading a CETV letter, or checking family cover — and confirm whether we are the right practice. No fee for this first conversation. If we are not a fit, we say so and, where we can, suggest another type of professional.
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Engagement letter & fee confirmation
Before analysis begins you receive a written scope, fee, and timeline. You instruct us only when that letter is clear. Work already started is covered in our refund and cancellation policy.
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Document gathering
Pension statements, protection schedules, mortgage figures, and wills (if relevant) arrive by secure upload or post. Incomplete packs slow the timeline more than almost anything else — we send a checklist after you instruct us.
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Analysis & recommendation meeting
We present findings at our Bosco Green office, by video, or at your home by arrangement. You receive a written report. Implementation support follows only where you ask us to proceed with applications or provider liaison.
What to bring to the first proper meeting
- Latest pension and investment statements
- State Pension forecast if you have one
- A rough monthly household budget
- Existing life, critical illness, or income protection schedules
- Notes on retirement date options or dependants you need to provide for
Meetings usually last 60–90 minutes. Couples are welcome; we find shared decisions stick better when both hear the same explanation.
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