Click here to get regular factsheets on research and financial planning http://www.woodruff-fp.co.uk How we follow a defined process in our dealings with clients. It gives an overview of the way we work, the different services we offer, and how we manage research and investments for you. http://www.woodruff-fp.co.uk/docs/38_our_philosophy.pdf This leaflet explains the how lifetime cashflow forecasts enable us to predict your financial future based on assumptions about your finances. We can then tell you the truth about where your finances are headed, and more importantly solve any problems with this. http://www.woodruff-fp.co.uk/docs/36_lifetime_cashflows.pdf This leaflet explains the process that we go through in our financial planning service. The service is designed to allow you to take control of your finances so that you know what to expect in future years. http://www.woodruff-fp.co.uk/docs/35_principles_of_financial_planning.pdf This service aims to tell you the truth about how your money works for you. It is a comprehensive plan which shows where you are now with your finances, and more importantly when you will run out of money. The ultimate aim is for financial independence, so you can choose not to work if you want to, and do the things you really want to do. http://www.woodruff-fp.co.uk/docs/34_financial_health_check.pdf This factsheet explains how our client log in service allows you access to all your plans and policies via a secure log in and password. This service allows you to view all your records in one place, check on policy valuations and let us know about changes to your financial circumstances. http://www.woodruff-fp.co.uk/docs/31_client_log_in.pdf We explain the process that we go through when advising on investment portfolios. We take broadly the same approach with each client so that we can ensure quality and consistency of returns. http://www.woodruff-fp.co.uk/docs/27_financial_strength.pdf We explain how we take into account the ability of companies to meet their liabilities, so we reduce the risks to you. http://www.woodruff-fp.co.uk/docs/27_financial_strength.pdf Why a fee-based financial adviser works in your interests, compared to a commission-based adviser, who tries to sell you policies. http://www.woodruff-fp.co.uk/docs/16_why_use_a_fee_based_adviser.pdf How we use research tools to provide you with all the facts and to justify our advice to you. http://www.woodruff-fp.co.uk/docs/8_research_tools.pdf How commission offset can greatly benefit clients. http://www.woodruff-fp.co.uk/docs/5_commission_offset.pdf