Our Process

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Our Process

Meeting YouOur Process

We’ll meet with you at our office in Glasgow, come to your home, or meet at a mutually convenient location, whichever is easiest for you. During the course of this initial meeting you’ll find out how our financial advisers work and explore what they will be doing for you. It’s necessary for the adviser to take proof of identity and proof of address at this stage. You will be left a copy of the Client Agreement and the Service Proposition & Engagement documentation to read through at your leisure.

Fact Finding

During the course of our initial meeting or at the second meeting we will carry out a fact-finding exercise with you to establish your needs and wants. We’ll take heed of any specific requests you have and endeavour to fulfil them where possible. We may have to obtain your permission to contact pension providers or other financial institutions for more information about specific plans.

Doing Our Research

We carry out detailed research in order to establish which providers best suit your needs. This may be for investments, trusts, pensions, or protection policies. Providers have varying ranges of products, differing in their length and cost, and are used for clients with different needs. In some instances we will use an independent research company to ensure the most suitable plan is chosen for you.

Advice Plan

We will then formulate an advice plan that includes any needs that have been identified as well as any specific wishes of the client. Where necessary this will include advising you yo consult another specialist (e.g. for wills or power of attorney). Our advice to you is written in the form of a “Suitability Report” that will be sent to you via post and another meeting will be arranged. Up to this point you will have incurred no cost.


A further meeting will take place to present the advice contained within the Suitability Report. If you’re happy with the advice then the Client Agreement and the Service Proposition & Agreement documents will be signed. Any application forms required will be completed at this point, along with any additional information required by the providers.


The application forms and/or Trust forms will be sent off to the providers and all necessary administration work will be carried out in our office. When plans have been completed you will be contacted by us to ensure that all necessary confirmation or policy documents have been received from the provider companies.

Annual Review

We’ll carry out an annual review for you, unless you have specifically requested a ‘transaction only’ arrangement. You may have to be contacted more than once a year because of changes to personal circumstances, changes to legislation or market conditions. The details of the annual review are contained within the Service Proposition & Engagement documentation.

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Plan ahead with Vance Financial Management.
Get in touch with one of our financial advisers today.

Kind Wordsfrom our clients

© 2021 Vance Financial Management. All Rights Reserved.
VANCE Financial Management is a trading name of David Vance Consulting Ltd, a company registered in Scotland (SC346801).
David Vance Consulting Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 806587).
The FCA does not regulate tax advice, trusts and wills.
Registered Office: Suite 324-325, Baltic Chambers, 50 Wellington Street, Glasgow, G2 6HJ.
Tel: 0141 202 0753 - Email: info@vancefm.co.uk - Web: www.vancefm.co.uk
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK