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Chartered Financial Planners
for Farmers and Rural Businesses

How We Work

Before we offer any advice to our clients, it is essential that we get to know you and thoroughly understand your individual circumstances. Once we do, we can establish what we are trying to achieve together.

To this aim, we always put your interests first, not our own. 

We always offer our best advice, and the advice we do give, will be given in plain English and will be easy to understand.

This is how our journey together begins…

  1. Initial meeting

    Our initial meeting gives us the opportunity to get to know each other better and establish if, and how, we can help you. We will explain what we do, how financial planning works and ask about your financial circumstances and your objectives. There is no obligation for you to commit to anything at this stage. 

  2. Information gathering

    We’ll establish a detailed and clear picture of your finances, as well as understanding the facts and figures of your current financial arrangements and plans. This is a chance for us to discuss what you want to achieve, and to understand your goals, your specific worries, and challenges, and what your ideal future looks like.

  3. Analysis and research

    Our advisers and in-house paraplanning team will use their specialist research, analysis and planning skills to build solutions and strategies that will work for you. We can, if appropriate, use cutting-edge software to build your cashflow model, illustrating how your finances are likely to look at different stages of your life and under different ‘what if’ scenarios, with a focus on stress testing any plans made.

  4. Agreeing your plan

    Next, we’ll explain our research and our recommendations. We’ll highlight alternative approaches and any changes that need to take place for you to reach your goals in your desired timeframe. Once a plan is formulated and agreed we will explain each of our recommendations fully and answer any questions that arise.

  5. Implementing your plan

    It can be difficult and daunting knowing where to start when establishing solutions relating to your financial planning, with many tax wrappers and the complexities of trusts to name a few. Implementing a plan can seem difficult, this is why we take responsibility and fully action the necessary steps to reduce your workload and make sure everything is correct.

    Trusts are not regulated by the Financial Conduct Authority.

  6. Reviewing your progress

    Following implementation of your plan, we will invite you to regular review meetings to see how well you are progressing towards your goals and what, if anything, needs changing in the strategy. If your circumstances, or the wider economy change, we can re-shape the plan to help you remain on track to achieve your end goals.

Click through to explore our process...

Would you like to know more?

Please call our team on 01832 279170 to arrange a meeting or complete our contact us form and we’ll come back to you as soon as we can.

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2026-07-02 17:04:28, "Home", https://accessionfp.co.uk/
2024-07-31 17:21:30, "About Us", https://accessionfp.co.uk/about
2026-06-09 11:15:53, "Who We Are", https://accessionfp.co.uk/about/who
2025-09-15 11:43:41, "Meet the Team", https://accessionfp.co.uk/about/team
2025-05-30 11:28:16, "Richard Jones MBA FPFS", https://accessionfp.co.uk/about/team/richard-jones
2024-10-21 10:52:53, "Emma Wilcock BSc (Hons) FPFS", https://accessionfp.co.uk/about/team/emma-wilcock
2024-12-12 10:30:22, "Mark Hawksford DipPFS", https://accessionfp.co.uk/about/team/mark-hawksford
2024-08-01 13:33:31, "Judith Weeks", https://accessionfp.co.uk/about/team/judith-weeks
2024-08-01 13:34:21, "Amy Woolliscroft BA (Hons)", https://accessionfp.co.uk/about/team/amy-woolliscroft
2025-10-02 15:35:55, "Steven Town BA (Hons) DipPFS", https://accessionfp.co.uk/about/team/steven-town
2024-08-01 13:36:04, "Eleanor Marshall BSc (Hons)", https://accessionfp.co.uk/about/team/eleanor-marshall
2024-08-01 13:36:36, "Charlotte Rose", https://accessionfp.co.uk/about/team/charlotte-rose
2024-08-01 13:37:08, "Teresa Webster", https://accessionfp.co.uk/about/team/teresa-webster
2024-08-01 13:37:53, "Gary Markham", https://accessionfp.co.uk/about/team/gary-markham
2025-10-06 09:54:32, "Alfie Abbott", https://accessionfp.co.uk/about/team/alfie-abbott
2025-06-26 12:42:00, "Our Accreditation", https://accessionfp.co.uk/about/accreditation
2024-08-02 10:31:43, "Our Awards", https://accessionfp.co.uk/about/award-winning-financial-adviser
2024-08-02 10:32:33, "CSR", https://accessionfp.co.uk/about/csr
2025-09-25 13:36:24, "Careers", https://accessionfp.co.uk/about/careers
2025-09-15 11:28:40, "Contact Us", https://accessionfp.co.uk/about/contact
2024-08-01 09:41:16, "Helping You", https://accessionfp.co.uk/how
2026-07-15 12:41:01, "What We Do", https://accessionfp.co.uk/how/what
2025-10-02 15:38:44, "How We Work", https://accessionfp.co.uk/how/work
2025-10-02 15:40:05, "Are We Right for You?", https://accessionfp.co.uk/how/for-you
2025-12-16 13:40:12, "Our Services", https://accessionfp.co.uk/services
2025-12-15 15:51:25, "Investment Planning", https://accessionfp.co.uk/services/investment
2026-07-15 12:42:51, "Protection Planning", https://accessionfp.co.uk/services/protection
2025-12-15 16:10:28, "Retirement Planning", https://accessionfp.co.uk/services/retirement
2025-12-15 16:08:17, "Inheritance Tax Planning", https://accessionfp.co.uk/services/inheritance-tax
2026-03-26 16:04:08, "Testimonials", https://accessionfp.co.uk/testimonials
2025-10-08 10:52:39, "FAQs", https://accessionfp.co.uk/faqs
2025-08-21 12:14:39, "News & Views", https://accessionfp.co.uk/news
2025-09-25 15:40:01, "Blog", https://accessionfp.co.uk/blog
2025-01-16 15:54:00, "Should you pay off your child’s student loan?", https://accessionfp.co.uk/blog/should-you-pay-your-childs-student-loan
2025-04-24 15:07:00, "Recent market turbulence rocks the markets, but Accession maintains a ‘business as usual’ approach", https://accessionfp.co.uk/blog/recent-market-turbulence
2025-10-06 09:40:50, "Accession on the road from Chancery Lane to Silsoe this Spring – what did we learn?", https://accessionfp.co.uk/blog/accession-road-chancery-lane-silsoe-spring-what-did-we-learn
2026-07-09 13:55:50, "Financial Pulse Newsletter - Summer 2025 - Navigating Retirement Options", https://accessionfp.co.uk/blog/financial-pulse-newsletter-summer-2025-navigating-retirement-options
2026-07-27 13:41:23, "Are you aware of the differences between a Cash ISA & Stocks and Shares ISA?", https://accessionfp.co.uk/blog/cash-isa-v-stocks-and-shares-isa
2026-07-27 13:50:02, "Let’s not give Rachel any ideas…", https://accessionfp.co.uk/blog/lets-not-give-rachel-any-ideas
2026-03-25 10:48:02, "Cash ISA allowance reduced for under 65s", https://accessionfp.co.uk/blog/cash-isa-allowance-reduced-under-65s
2025-12-17 09:56:38, "Christmas Post from Accession to you!", https://accessionfp.co.uk/blog/christmas-post-accession-you
2026-07-27 14:00:21, "Not an employee? What’s the plan?", https://accessionfp.co.uk/blog/not-employee-whats-plan
2026-01-13 11:21:41, "What is a bond? And we aren’t talking the 007 variety…", https://accessionfp.co.uk/blog/what-bond-and-we-arent-talking-007-variety
2026-01-06 11:01:34, "Inheritance Tax reliefs threshold to rise to £2.5m for farmers", https://accessionfp.co.uk/blog/inheritance-tax-reliefs-threshold-rise-for-farmers
2026-02-12 10:57:05, "Why financial advice is essential when farmers diversify or sell land", https://accessionfp.co.uk/blog/why-financial-advice-essential-when-farmers-diversify-or-sell-land
2026-01-22 10:39:21, "Pensions and Inheritance Tax – What’s changing and what should you do now?", https://accessionfp.co.uk/blog/pensions-and-inheritance-tax-whats-changing-and-what-should-you-do-now
2026-02-12 10:35:05, "Rural Financial Advisers secure Top Rated status once again!", https://accessionfp.co.uk/blog/rural-financial-advisers-secure-top-rated-status-once-again
2026-03-16 11:52:26, "New Accession free guide to protecting your family farm published – actions you can take now against new tax rules and new risks", https://accessionfp.co.uk/blog/new-accession-free-guide-protecting-your-family-farm
2026-03-09 11:16:58, "Could your family, friends or colleagues benefit from one of our professional financial planning meetings?", https://accessionfp.co.uk/blog/could-your-family-friends-or-colleagues-benefit-one-our-professional-financial-planning-meetings
2026-07-15 12:55:47, "Making the most of pension contributions before the end of the tax year for higher earners", https://accessionfp.co.uk/blog/making-most-pension-contributions-end-tax-year-higher-earners
2026-07-24 13:20:37, "Are You Saving… or Missing an Opportunity?", https://accessionfp.co.uk/blog/are-you-saving-or-missing-opportunity
2026-04-20 10:54:00, "Are you aware...", https://accessionfp.co.uk/blog/are-you-aware-pensions-iht
2026-04-28 14:11:38, "The Early Bird Catches the Worm: Why Timing Your ISA Investment Matters", https://accessionfp.co.uk/blog/early-bird-catches-worm-why-timing-your-isa-investment-matters
2026-04-30 13:49:15, "Breaking Barriers: Why Women Need Financial Advice Now More Than Ever", https://accessionfp.co.uk/blog/breaking-barriers-why-women-need-financial-advice-now-more-ever
2026-08-10 13:16:04, "Growing your business – with an exit route in mind", https://accessionfp.co.uk/blog/growing-your-business-exit-route-mind
2026-06-03 10:18:41, "Do you know you can inherit your partner's ISA allowance?", https://accessionfp.co.uk/blog/do-you-know-you-can-inherit-your-partners-isa-allowance
2026-06-09 10:41:38, "Now we’re firmly in a new tax year, what can you do to get ahead as an Accession client?", https://accessionfp.co.uk/blog/now-were-firmly-new-tax-year-what-can-you-do-get-ahead-accession-client
2026-06-17 14:19:33, "As grandparents, what could you do now to help your grandchildren get a head start in life as well as ultimately reduce your IHT liability?", https://accessionfp.co.uk/blog/grandparents-what-could-you-do-now-help-your-grandchildren-get-head-start-life-well-ultimately-reduce-your-iht-liability
2026-06-29 10:28:56, "Accession's Spring and Early Summer Events Gallery", https://accessionfp.co.uk/blog/accessions-spring-and-early-summer-events-gallery
2026-08-25 11:46:12, "Pension Changes Could Create New Challenges for Farming Families", https://accessionfp.co.uk/blog/pension-changes-could-create-new-challenges-for-farming-families
2026-07-07 12:10:39, "Financial planning you can do now to allow you to focus on the important things following a bereavement", https://accessionfp.co.uk/blog/financial-planning-bereavement
2026-07-16 13:31:18, "St. James’s Place's Polaris funds reach £100bn in assets", https://accessionfp.co.uk/blog/polaris-funds-reach-pound-100bn-assets
2026-07-27 10:55:55, "As an owner of a SME rural business, what are the business trends to keep an eye on in 2026 for growth and resilience?", https://accessionfp.co.uk/blog/2026-business-trends
2026-07-28 13:49:08, "Have you got intergenerational wealth transfer right for your family?", https://accessionfp.co.uk/blog/have-you-got-intergenerational-wealth-transfer-right-your-family
2026-08-03 14:39:05, "Could Whole of Life protection help safeguard your farm from rising Inheritance Tax?", https://accessionfp.co.uk/blog/could-whole-life-protection-help-safeguard-your-farm-rising-inheritance-tax
2026-08-10 13:59:02, "Why building retirement income has never been more important for farmers", https://accessionfp.co.uk/blog/why-building-retirement-income-has-never-been-more-important-farmers
2026-08-10 15:42:02, "What is a loan trust and what could it do for you and your beneficiaries?", https://accessionfp.co.uk/blog/loan-trusts
2026-09-04 14:02:01, "Pension advice can prevent costly mistakes", https://accessionfp.co.uk/blog/pension-advice-can-prevent-costly-mistakes
2024-07-09 09:55:41, "E-Briefing", https://www.accessionrwm.co.uk/