Please click below to review our advice process and the different financial challenges and needs you can expect to face as you grow older.

Everystep Financial is authorised and regulated by the Financial Conduct Authority. We choose only the very best companies and providers to work with us, based on their reputation, experience, cost and the excellence of the service they give. Our four-stage advice process will give you the peace of mind that comes from knowing that we’ll meet your exact requirements and ensure your best interests are met.

1 2 3 4 Click arrows to explore each stage
1 - Getting to know you
In our first meeting with you we’ll talk about your personal and financial circumstances, allowing us to fully understand your situation. We’ll discuss your existing assets, liabilities and income details, as well as your goals and aspirations and anything else that's important to you. What we learn from you will form the foundation for our analysis and recommendations. By taking the time to really get to know you we can offer you the most suitable options.
2 - Research
After we’ve gathered all the details we need from you, we’ll analyse this information and research the market to source the most appropriate solutions to recommend to you. We use the most up to date tools available to be able to offer you the latest products and best rates available.
3 - Your Recommendation
We’ll then present our recommendations in a simple and straight-forward way, making sure that we always keep to “your agenda”. We’ll also give you a written explanation of all our recommendations in a language that is designed to be clear and to the point. If you prefer, these recommendations can be provided to you by email or hard copy, whichever suits you best.
4 - Ongoing ServiceOnce you’re happy and ready to proceed we'll make sure that any application process is completed efficiently and professionally, your case manager keeping you up to date with progress.

Our business has been built on establishing long-term relationships. So we look forward to working with you for years to come. It’s inevitable that your needs will change over time and it will be our job to make sure that you receive accurate and up to date advice that reflects your changing needs whilst always ensuring that the policies we suggest are competitively priced over the longer term.

There are various stages throughout life where different considerations of financial planning may be required. Some of the more common questions or concerns you might be asking yourself at that stage are covered below and the great news is that we can help address each of the questions, or any others that you may have, to offer you the best financial solutions possible.

  • How would you manage financially if you were to lose your monthly income due to an accident or illness?
  • Do you want to purchase a property? If so, have you started saving?
  • Have you started saving for retirement? The earlier you start, the earlier you can retire!
  • How would your family manage financially in the event of income loss due to sickness or accident?
  • How would you pay off your mortgage and household bills if the breadwinner died or suffered a serious illness?
  • Would you need to reduce your working hours to look after your children if one of you passed away?
  • What are your plans to pay for your children’s education?
  • Have you started saving for retirement? The earlier you start, the earlier you can retire?
  • Have you made a Will to protect your loved ones?
  • Who do you want to care for your children, in the event of your death?
  • Do you want to buy your first home or move to a larger family home?
  • Is there potential to save money on utility services and insurance contracts?
  • Are you getting the best return on your savings?
  • Have you started saving for your retirement; how much income would you need to maintain your current standard of living?
  • Do you have the best deal on your mortgage?
  • How would you manage if your household income was reduced due to an accident or illness?
  • Is there potential to save money on your utility services and insurance contracts?
  • Would you like to move to a larger home?
  • Have you made a comprehensive Will and Lasting Power of Attorney to protect your loved ones?
  • Are you concerned about paying taxes upon your death or the selling of your assets?
  • Will you have sufficient income during your retirement?
  • You need to ensure you get the best deal on your annuity (income for life). Have you looked at the open market options?
  • Are your investments aligned with your attitude to risk; generally, it is a good option to reduce the risk taken on retirement.
  • Have you made a comprehensive Will and Lasting Power of Attorney to protect your loved ones?
  • Are you concerned about paying taxes upon your death or the sale of assets?
  • Is there potential to save money on the utility services?
  • How do you protect your business partners from death or terminal illness?
  • How would your business survive if you lost a key member of your staff?
  • What is your exit strategy in selling or quitting the business?
  • How would you manage financing in case of expansions or diversification into other areas?
  • How can you make your company’s profit push you even further forward in your business?
EveryStep Financial

EveryStep Financial