b'The agreed strategy & action planIt is at this point that we really begin to get down to business and start working together with a view to linking your saving and investment targets to specific lifestyle goals. If appropriate at this point we may suggest introducing the use of a cash flow analysis tool as this will assist us in planning the journey towards achieving your goals and as circumstances change it will help us to steer a successful course year on year.We will explain the options available and recommend what we think are the best solutions for your needs taking into account all possible tax implications. We can show you how to:Understand how much you need to save for your retirement.Ensure you have enough protection in place for life cover, income protection, serious/critical illness cover etc.Protect against earlier than expected retirement.Minimise tax liabilities.Maximise investment returns without introducing a level of risk that you are not comfortable with.Review all existing investments to ensure that they still offer you the most appropriate investment goal solutions and value for money.Introduce our year on year review process to ensure that your plan is still on track.'