SMART Client objectives – The foundation of planning and advice with Sparrow Solutions

by | Apr 23, 2024

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How do we make sure the planning and advice we give our clients is right for them? This is the question Caroline Stuart at Sparrow Solutions will be addressing in her upcoming Sparrow Solutions Practical Planning session on Wednesday 1st May.

We believe the only way to make sure planning and advice is suitable for clients is by thoroughly knowing and understanding what it is they want to do in life, and with their money. Once we have these, we can formulate advice and recommendations that are suitable and meet their needs and priorities.

This means we need to agree SMART objectives and goals with the client that we can really tie our advice and recommendations back to. Unfortunately though, it can be all to easy to slip into generic goals such as:

  • You want to consolidate your pensions
  • You want growth above inflation
  • You want flexibility with your income 

But we know these just won’t cut the mustard (see the various FCA thematic reviews for more info!) and might mean the client isn’t going to get the best outcome. 


So how do we make sure we get the right information from the client to create SMART Goals? We do that:

  • by understanding what a SMART goal is
  • by knowing the difference between a financial planning goal and an investment objective
  • And most importantly, by asking the client the right questions to be able to build them 

Learn how to build SMART Client Goals

All of these areas are going to be covered in the next Sparrow Solutions Practical Planning session – ‘How to Create Super SMART Client Objectives’.


With a relaxed, interactive session, including practical exercises, this workshop aims to help participants enhance their skills and knowledge to be able to ask the right questions to create personalised, SMART goals for their clients.  

It’s on Wednesday 1st May at 10.00 for 90 minutes and gives 1.25 hours of CISI Endorsed and Accredited CPD.  All the info can be found here!

Who’s running the Sandbox Session?


The Session is being run by Caroline Stuart; a CISI Accredited Paraplanner and Chartered Member of CISI with nearly twenty-five years’ experience of working in financial planning and paraplanning. 

Caroline has also spent many years training and mentoring paraplanners and financial planners. She is the founder of Sparrow Paraplanning outsource paraplanners, Sparrow Solutions and the Co-Laboratory. Caroline was also the former President of the PFS and Chair of the PFS Paraplanner Panel. 

Who will it be useful for? 


Aspiring, new and trainee financial planners, paraplanners and advisers wanting to learn the skills needed to get the right information from clients to be able to build SMART client goals. 

It will also be useful for existing planners, advisers and paraplanners who are looking to refresh their knowledge.

We hope to see you there!



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