Could you list everywhere your money sits, from memory?
Old pensions, a stray ISA, the account opened for a house move in 1998. The longer the list, the more places things fall between the cracks.
Who else is in the picture?
Children, a second marriage, parents getting older, someone who depends on you. Family complexity has financial consequences no single professional sees whole.
Do any of your professionals ever talk to each other?
The most direct question of the six. Two professionals who have never spoken is a coordination gap by definition, and it is remarkably common.
What is changing in the next year or two?
Retirement, a business sale, an inheritance, a bereavement, a move, a care decision. Transitions are when coordination failures get expensive.
When a decision comes up, does it get made, or does it sit there?
Postponed decisions are decisions. A confident person with a complicated life often copes. An uncertain person with a simple one often does not.
If you were not around for six months, how easily would your partner pick it up?
The question people most often go quiet at. It has nothing to do with wealth, and it matters more than almost anything else on this page.
If two or three of those landed uncomfortably, that is worth a conversation. It does not mean anything is wrong. It usually means nobody has been looking at the whole thing at once.
And if it is
What you should end up with
Understanding and control, on your terms. You should end up knowing where you stand and able to make informed choices — including what to hand over, to us within the agreed scope or to specialists, and when to ask for help. You can want to understand your affairs and still prefer others to do some of the work. Specialists still do the specialist work, and the decisions remain yours.
Arrange a Whole Picture Conversation
We will explore what is happening across your financial life, what feels disconnected, and whether Sustain Momentum could help you bring the whole picture together.
No charge, no preparation and no obligation to continue. You will speak directly with Patrick.