What it is

We’re both a CISI Accredited Financial Planning firm and a Chartered firm – a combination achieved by only a small number of firms in the UK. Accreditation is a step above Chartered, recognising firms that deliver truly client-focused, high-quality financial planning.

Why it matters to you

These accreditations reflect our commitment to excellence. They demonstrate that we meet the highest professional standards and are dedicated to delivering clear, personalised advice and consistently high-quality service – so you can feel confident in the support you receive.

Preparing for your review

Make your next planning meeting count.

A little preparation helps us spend more of your meeting on the decisions, questions and plans that matter to you.

See what may be useful

Your Mercury Life Map

Focus on what has changed.

The guide shows the information we will discuss when updating your Mercury Life Map. If something is unchanged and already known to us, there is no need to provide it again.

Estimates are fine

Approximate figures are usually sufficient for the meeting unless your Financial Planner asks for an exact figure.

Statements can help

Recent statements can often be used instead of writing out every detail, particularly for arrangements Mercury does not manage.

Keep details secure

Never send passwords, login credentials, full security answers or other account-access information.

01Life, plans and prioritiesStart with what has changed in your life and what you want the meeting to achieve.

Family or household: Any material change to your family or household circumstances that may affect your financial planning.
Work and retirement: Changes to employment, working pattern, expected retirement date or plans to reduce work.
Health or care: Only where relevant to your planning, any change that may affect future income, expenditure or support needs.
Upcoming commitments: Large purchases, property decisions, gifts, holidays or other significant planned expenditure.
Expected gifts or inheritances: Only where relevant and sufficiently certain to be useful for planning purposes.
Priorities for the meeting: Decisions, concerns or questions you would like your Financial Planner to address.

02Income and expenditureCurrent totals are usually enough. Focus on material changes since your last review.

Income

Employment income: Current salary and any material changes to bonuses or dividends.
Pension income: Private or workplace pension income currently being received.
State Pension: Current State Pension income, if already in payment.
Rental income: Current annual or monthly rental income, if applicable.
Benefits and allowances: Attendance Allowance or other State benefits that are relevant to your plan.
Other or gifted income: Any regular income from another source that is expected to continue.

Expenditure

Basic expenditure: Regular household spending such as Council Tax, utilities, broadband, food and transport. Monthly or annual totals are acceptable.
Leisure expenditure: Regular lifestyle spending such as meals out, weekends away, memberships, subscriptions, hobbies and charitable giving.
Luxury or discretionary: Annual holidays, larger discretionary purchases, annual gifts or other optional spending that varies from year to year.
One-off expenditure: Any known significant cost in the next few years that is not part of your normal spending.

03Assets and liabilitiesRecent statements are helpful for arrangements Mercury does not manage.

Assets

Current accounts: Bank and approximate balance, where materially different from the last review.
Savings accounts: Bank, balance, interest rate and any fixed term or notice period.
Cash ISAs: Provider or bank, balance, interest rate and any fixed period.
Property: Current estimated value of your main residence and any rental properties, where a material change has occurred.
Direct shareholdings: Company, number of shares held and where they are held.

Liabilities

Mortgages: Lender, current balance, monthly repayment, remaining term, repayment or interest-only basis, rate and fixed-rate end date.
Loans: Lender, balance, monthly repayment and remaining term.
Credit cards: Outstanding balance and interest rate where a balance is carried.
Car finance: Monthly payment, remaining term, interest rate and any final or balloon payment.

04Existing plans and policiesStatements can reduce the amount of information you need to write down.

Stocks & Shares ISAs: Provider or platform, current value and whether you have contributed during the current tax year.
General Investment Accounts: Provider or platform and current value.
Protection policies: Provider, type of cover, monthly premium and amount of cover, including income protection or life assurance where relevant.
Pensions: A recent statement for each Defined Contribution or Defined Benefit pension, including paid-up plans and plans still receiving contributions.
State Pension forecast: A current State Pension forecast, if one is available and relevant to your planning.

Documents that may be useful

Recent statements for pensions, investments or savings that Mercury does not manage.
Updated mortgage, loan or car finance statements where the position has materially changed.
Protection policy schedules or renewal statements where cover has changed.
A current State Pension forecast.

Sending documents

Send documents and share information securely with Mercury Insight.

Never send: passwords, login details, security answers or account-access information.

Mercury Insight is our secure client application. Please use it to share statements, documents and other information securely with our team.

Questions before your meeting?

We’re here to help.

01642 670 307 Email client services

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Mercury House, 1 Massey Road, Teesdale Business Park, TS17 6DY

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Incorporated in England Company Registration No. 4981483 Authorised and Regulated by the Financial Conduct Authority Ref No. 455415 Mercury Wealth Management Limited