Proper, holistic Financial Planning is the creation of a thorough, step-by-step plan that takes you from where you are now to where you want to be. Many of the clients we work with often have no idea what they want their life to look like; they’ve been far too busy keeping their head down, spinning the plates of life! Of course, the plan never really fully forms into an actual physical thing, it’s fully organic – it grows and changes over time in line with your aspirations and desires!

At Stem, our focus isn’t the number of pensions you have, how well your self-selected investments have performed, or even how much money you’ve got in your ‘Platinum’  bank account!  Whilst all of this is important, we’re far more interested in you!  We want to get to know you, find out what makes you tick and figure out what REALLY matters to you.  It’s only when we have an idea of this that we can use the pensions, investments and cash to build a plan to achieve your life’s goals and ambitions.