Active Financial Planning
Active Financial Planning is more than a one-off report — it’s an ongoing, dynamic approach that moves in step with your life. At AWB, we help you understand where you are today, where you’re heading, and what needs to happen to keep you on track.
By combining clear cashflow planning with our Flow and Wave services, we turn complexity into clarity and give you the confidence to make decisions with purpose.
Active planning means you’re not reacting to life’s changes — you’re prepared for them. With regular reviews, scenario planning, and a framework built around your goals, you stay in control, adapt with confidence, and create a financial future that’s shaped around how you want to live.
Take a look at the forward planning services below.
Motion, Flow and Wave were chosen as our service titles because we wanted to move away from the typical Bronze–Silver–Gold style of naming. Those labels imply hierarchy — as if one level is “better” than another — when in reality, effective financial planning is about what best supports you at this moment in your life. The names reflect progression and each stage represents a natural movement in your financial journey.
The water theme is a personal one too: inspired by a love of the coast and sea, it symbolises how your finances, like tides and currents, shift over time — and how the right guidance helps you move confidently with them.
Motion
Motion is designed for those with very simple financial circumstances and that require a lighter touch approach.
- Typically only a few plans or policies to review
- Smaller investment amounts < £100,000
- Require only an annual risk and performance assessment of investments we have access to information on.
- May only require focused advice in one area.
Flow
Flow is for those who want to actively plan ahead, working toward medium to long term goals and want to create a clear plan and consider wider financial planning regardless of their current wealth. We’ll establish clear aims for the future and create a plan of action to target those aims. It is focused on you and your needs and goals.
- Suitable for those wanting to reap the benefits of more detailed goals based planning.
- Consider wider financial planning areas such as Wills, power of attorney and protection planning.
- Includes an annual detailed forward planning meeting and basic modelling scenarios to track progress and adapt as life evolves.
- Includes detailed annual suitability check on investments we have access to information on.
Wave
Also for those that want to plan ahead but take part in deeper engagement. This is our most comprehensive, bespoke service. It suits clients with more complex needs including retirement income drawdown, inheritance tax, capital gains tax and wealth transfer. It is also suited to those with greater wealth across multiple investments and assets and those who want more detailed multiple scenario modelling to consider a greater range of ‘what if?’ scenarios.
- Suitable for those wanting to achieve peace of mind through clear goal based planning.
- Multiple scenario modelling and discussion on possible outcomes and action to take
- Tax planning considerations Wider financial planning areas such as Wills, power of attorney and trusts.
- More specialist and bespoke investment products and solutions.
- Minimum of 2 forward planning meetings each year
