A clear path, built with you in mind
Clarity at every step
Financial services can feel overwhelming. Whether it’s planning for the future, arranging a mortgage, considering equity release, or protecting your loved ones, there’s often too much jargon and too many moving parts. That’s why we keep our process simple and consistent.
Every journey with Cohesion follows the same values: clarity, fairness, and putting you first. For most of our services, that takes the shape of this five-step process. In more specialist areas, like wills, trusts, or corporate and commercial planning, the steps may look a little different, but the principles are always the same.
Our five-step framework
At Cohesion, we believe financial solutions should be personal, ongoing, and meaningful. From our secure client portal to regular reviews and purposeful guidance, our clients enjoy benefits that go far beyond a traditional financial plan:
1. Getting to know you
2. Gathering the detail
3. Analyse & explore options
4. Making it happen
5. Ongoing support & reviews
How this applies to you
Every journey starts the same way – with our five-step process. From there, we match you to the level of support that best aligns with your financial goals and the complexity of your plans. Here’s how the journey works across different areas:
Financial Planning in practice
We use the same five-step process for all clients and across our three solutions. The only difference is the level of support that best suits your needs.
Cohesion Core: A solid, structured foundation that brings clarity and direction to your finances.
Cohesion Wealth: A broader, more detailed service that includes long-term strategy, investment planning and family considerations.
Cohesion Tailored: A fully personalised approach for more complex or multi-layered financial needs.
The value of pensions and any income from them can fall as well as rise. You may not get back the full amount invested.
No matter which route is right for you, the journey always follows the same five steps:
Discovery: Understanding your values, goals, family situation, and existing plans.
Research & analysis: Reviewing pensions, investments, tax position, and cashflow.
Recommendations: Presenting a financial plan with specific solutions.
Implementation: Putting everything in place from investments and pensions to trusts and wills.
Ongoing support: Annual reviews and updates as your life and priorities evolve.
Mortgages made simple
Mortgages don’t need to be complicated. Our five-step process keeps your journey clear and stress-free, whether it’s your first home, a remortgage, or an investment property.
Discovery: Income, outgoings, goals, affordability.
Research & analysis: Whole-of-market mortgage search.
Recommendations: Best-fit mortgage explained clearly (including costs & risks).
Implementation: Application handling, liaising with lenders and solicitors.
Ongoing support: Support through any changes to interest rates, requirements for new or further borrowing, remortgages and ensuring any protection continues to align with your borrowing.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing debts against your home.
Equity Release with confidence
Equity release is a big decision. That’s why we take it step by step, following the same clear process while tailoring the conversation to your needs, family considerations, and long-term goals.
Discovery: Needs, family situation, and impact on estate
Research & analysis: Whole-of-market FCA-regulated equity release products assessed.
Recommendations: Clear recommendation with full transparency on costs and how it meets your requirements.
Implementation: Application handling, liaising with lenders and solicitors.
Ongoing support: Regular reviews to ensure the plan continues to be the right one for you.
Equity release isn’t right for everyone, there are positives and negatives, and careful consideration is vital to ensure it is a suitable option for your individual circumstances.
Protection that fits your life
Protecting what matters most should feel simple. Our process makes it clear and straightforward, whether it’s protecting your mortgage or broader solutions for your health and your family.
Discovery: Who and what you want to protect.
Research & analysis: Assessment of level and type of cover leading to a full market review.
Recommendations: Costs, benefits and exclusions explained.
Implementation: Management of the application throughout the underwriting process.
Ongoing support: Regular reviews to keep cover aligned with life.
Benefits of insurance products will be put at risk or cease altogether if premium payments are not maintained.
Corporate & Commercial solutions
Every business is unique, so we begin with a conversation to understand your priorities, people, and plans. From there, we’ll develop a bespoke plan, whether it’s protecting key individuals, planning for succession, or structuring employee benefits.
We’ll guide you through each stage in plain, practical terms, keeping the process flexible so it works for your business.
Wills, Trusts & Lasting Powers of Attorney (LPAs)
Planning isn’t only about growing wealth, it’s also about protecting it and ensuring your wishes are carried out.
We’ll help you:
- Protect your assets and reflect your wishes.
- Appoint the right people to act on your behalf if you’re unable to.
- Keep your documents aligned with your wider financial plan.
We understand life changes so we’ll encourage you to review your will and LPA regularly to ensure they continue to reflect your circumstances and protect the people you care about.
The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning
Take the first step
Whatever your goals, from planning for the future to arranging a mortgage, the first step is a conversation.
Clarity delivered
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Our commitments
We believe great financial advice is built on trust, transparency, and doing the right thing, every time. That’s why we align ourselves with respected charters and organisations that hold us to the highest standards of care, ethics, and client protection.
These commitments shape how we work, how we make decisions and how we support the people and communities we serve.
