The initial planning phase of a new relationship with Fowler Drew starts with Discovery: gathering and analysing the information that describes your personal and financial position. The process of identifying the benefits you want your money to deliver, in terms of what you most value, is the next, Development, stage. It relies on guided interaction, via a shared user interface, with our model-based goal-planner. Once the plan has been adopted, we will develop an action plan for the transition from any existing arrangements to a new set of arrangements that we believe will maximise efficiency. These are set out, together with cost comparisons, in a Deployment report. Discretionary management can start as soon as sufficient assets have been transitioned.