Services We Offer

What do we do?

We believe that professional financial advice can add significant value to our clients.

We offer two main services to our clients:

  • The first service is the wealth service, including Pensions and Investment
  • The second service we offer is the Insurance and Mortgage service

Our ultimate aim is to create long term relationships with our clients by investing time to fully understand their needs

The getting to know you part: (Both Wealth and Insurance/Mortgage)

The first part of this service involves getting to know our clients via a comprehensive review of their current circumstances.

This review will look at our clients’ aims, aspirations, financial goals and your attitude towards investment risk.

The review will also identify any existing Wealth and Insurance/Mortgage products you may have, these may include:

Wealth

  • Personal Pensions (Including AVC’s and FCAVC’s)
  • Self Invested Personal Pensions (Including Hybrid SIPPs)
  • Occupational pensions schemes (Including Final Salary and Money Purchase)
  • Individual Savings Accounts (Both Investment and Cash ISA’s)
  • Unit Trusts and Open Ended Investment Contracts (OEIC’s)
  • Onshore and Offshore Investment Bonds
  • Deposit based savings (Banks and Building Societies)

Insurance and Mortgage

  • Mortgages: Residential, Commercial and Buy to let
  • Remortgages: (to save money or borrow more)
  • Mortgage life assurance and Family Protection life assurance
  • Critical illness cover
  • Earnings Protection (Income Protection and Accident, Sickness and Unemployment)
  • Buildings and Contents Insurance
  • Business Insurance (Key man cover)

Once we have conducted the review we will take the information away and research the information we have collected.

Some buy to let mortgages are not regulated by the FCA.
Commercial mortgages are not regulated by the FCA.

Research:

We will spend a lot of time analysing your goals, objectives and the research will include assessing your existing products:

Wealth

  • We will review the risk associated with your products
  • We will assess as to whether your current arrangements meet your needs and aspirations
  • We will review the tax efficiency of your existing arrangements
  • We will review the current fund choice and performance of your products.
  • We will assess the current charging structure of your wealth products.

Insurance and Mortgage

  • We will assess as to whether your current arrangements meet your needs and goals
  • We will review the cost effectiveness of your current arrangements: (Can we save you money)?

Once the research has been conducted we will then present our recommendations to you.

The getting to know you and research part – Free

The recommendation and implementation side (The paperwork part):

This meeting will involve us presenting our research to you (based on your aims and goals) and ultimately will end in a recommendation. This recommendation will be either to reinforce that your existing arrangements match your aims and aspirations (nothing we can do to improve) or will involve us recommending that you do something different.

If it involves you doing something different we will then arrange for the new plans to be set up and we will manage the process of this happening from start to finish.

How to pay for our services:

Wealth Service:

Implementation of Advice Payment Options:

  • Investment Advice (Option 1) – Fee payable by cheque or from the product
  • Investment Advice (Option 2) – A combination of option 1 & 2

An exact quote will be produced by your adviser after assessing your individual needs and requirements.

Insurance/Mortgage Service: (Implementation of Advice Payment Options)

  • Insurance/Mortgage Advice (Option 1) – Fee payable by cheque
  • Insurance/Mortgage Advice (Option 2) – A combination of option 1 & 2

An exact quote will be produced by your adviser after assessing your individual needs and requirements.

Wealth Review

Wealth Reviews Service:

The reviews are for our clients with investment and pension products.
We will arrange a face to face appointment to discuss the following:

  • We will take time to fully reassess your current circumstances.
  • We will review your aims, aspirations and needs (are you on track or have things changed)?
  • Wealth products can be complicated therefore we will take the time to explain what you have, how it works and answer any questions you may have.
  • We will reassess the ongoing risk you are prepared to take with your wealth products. (People’s attitude towards risk changes)
  • We will share any ideas that we may have that can improve on your current wealth planning.
  • We will review the performance of your wealth products and discuss the findings with you.
  • We will provide you with a report that documents your wealth plan’s progress, looking at amount invested, current value, current investment strategy and current fund performance.
  • We will keep you up to date with any regulatory changes that may affect you.
  • We will also arrange another appointment if you have any other business you wish us to discuss or review.
  • In addition you have unfettered access via telephone, email or website to arrange any further services we can help you with.

Important information regarding the ongoing services we offer:

  • The frequency of the reviews will be determined and agreed with you at the outset.
  • The cost and the type of ongoing servicing packages available will be explained and agreed at the outset.
  • In addition to the reviews we reserve the right to charge ad-hoc fees for various other services if required.

Insurance & Mortgage Review

Insurance and Mortgages Review Service:

The reviews are for our clients with Insurance and Mortgage products,
We will arrange a face to face meeting to discuss the following:

  • We will take time to fully reassess your current circumstances.
  • We will review your aims, aspirations and needs (are you on track or have things changed)?
  • We will take the time to explain what insurance and mortgage products you have and we will endeavour to make sure that the advice we gave still matches your needs. (Because things change)
  • We will review your mortgage (Has your deal come to an end or do you need more money)?
  • Have your life assurance needs changed? We will analyse your needs and come up with an in-depth report outlining your protection shortfall and the cost of resolving the shortfalls.
  • Can we save you money on your existing products or any new products you may have taken out?
  • We will keep you up to date with any regulatory changes that may affect you
  • We will also arrange another appointment if you have any other business you wish us to discuss or review.
  • In addition you have unfettered access via telephone, email or website to arrange any further services we can help you with.

Important information regarding the ongoing services we offer:

  • The frequency of the reviews will be determined and agreed with you at the outset.
  • The cost and the type of ongoing servicing packages available will be explained and agreed at the outset.
  • In addition to the reviews we reserve the right to charge ad-hoc fees for various other services if required.

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