Our Client Proposition

We have reviewed our business strategy and have decided that, in order to give our clients the level of service they would like to receive and we would like to supply, we should now offer three distinct programmes.

1 – The Proactive Client Service Programme

2 – The Annual Review Client Service Programme

3 – The Reactive Client Service Programme

4 – No Service (File closed)

Above all else we seek to give loyalty and the best advice to our clients.

In addition we wish to continue to offer a first class and improving service now and over the years ahead.

We believe that it is in our mutual interest to strengthen and further enhance the relationship which we have and we hope you will share our views.

Our Client Proposition

After a full financial health check, we offer one of four services, tailored to your needs.  We adjust between each, based on lifestyle and other choices and needs, and can meet any requirements you, as a client have.

The Proactive Client Service programme

This programme is a totally proactive, full financial planning service

Services suited to your lifestyle needs

Our Proactive Client Service is a bespoke service most suited to those clients with larger investment portfolios and/or pension funds. This would typically be in excess of £250,000.

Clients will typically be concerned about:

1. Their understanding of their present financial position and how to maximise all opportunities.

2. The structure of their existing investments and pensions.

3. The amount of risk they are taking.

4. Ensuring their investments and pensions are invested in the most tax efficient manner.

5. Aiming to maximise income and/or growth from their investments and pension fund.

Alternatively small to medium size businesses requiring regular advice will also benefit from the Proactive Client Service.

The level of service will be agreed at outset to match the needs and complexity of the client’s individual circumstances and reviewed regularly along with agreed fees.

Included in this service:

• Unlimited telephone and e-mail access to your adviser.

• The offer of at least two reviews and update meetings with your adviser each year to review your financial strategy and complete a general financial health check.

• Unlimited access to your adviser between scheduled reviews.

• Online access to your portfolio valuations – where available.

• Your portfolio will be reviewed at least four times each year and a detailed report sent to you on request.

• Phone calls and e-mails answered within 24 hours.

• Regular newsletters and relevant updates.

• Providing professional updates to your accountant and other adviser – if requested.

• Sorting through any paperwork you have received since the last review that confuses you.

Your file will be kept updated so that we can respond in a timely manner to your requests for service and proactively advise you.

The Annual Review Client Service Programme

This programme is for clients who require an ongoing service

Services suited to your lifestyle needs

Our Annual Review Service is more structured than the Reactive Service and is most suited to clients with investment portfolios and/or pension funds of between £50,000 to £250,000.

Clients will typically be concerned about:

1. Their understanding of their present financial position and how to maximise all opportunities.

2. The structure of their existing investments and pensions.

3. The amount of risk they are taking.

4. Ensuring their investments and pensions are invested in the most tax efficient manner.

5. Aiming for more income and/or growth from their investments and pension fund.

Alternatively smaller businesses will also benefit from the Annual Review Service.

Included in this service:

• Unlimited telephone and e-mail access to your adviser.

• The offer of an annual review meeting to conduct a review of your financial strategy and general health check.

• Online access to Portfolio Valuations – where available.

• Your portfolio will be reviewed every six months.

• Phone calls and e-mails answered within 24 hours.

• Regular newsletters and relevant updates.

• Providing professional updates to your accountant and other advisers – when requested..

• Sorting through any paperwork you have received since the last review that confuses you.

Your file will be kept updated so that we can respond in a timely manner to your requests for service.

The Reactive Client Service Programme

This programme is entirely reactive

Services suited to your lifestyle needs

Our Reactive Client Service Service is best suited to those clients who have little or no assets other than their home. They may want to meet with their adviser each year to review their mortgage and insurances and look at opportunities to start to build other assets.

Clients will typically be concerned about:

1. Their understanding of their present financial position and how to maximise all opportunities.

2. Understanding the steps they need to take or plan to take to achieve their goals.

3. What happens in the event of death or serious illness.

Alternatively retired clients with smaller investment portfolios or deposit based savings will also benefit from the Reactive Client Service.

Included in this service:

• Unlimited telephone and e-mail access to your adviser team.

• The offer of an annual review meeting to conduct a review of your financial strategy and general health check.

• Phone calls and e-mails answered within 48 hours.

• Regular newsletters and relevant updates.

• Sorting through any paperwork you have received since the last review that confuses you.

No Service (File closed)

You no longer require our services

You wish your file to be closed, with no further obligation or responsibility to maintain contact or to offer advice or planning or review.

Our Service Proposition

Initial consultation

• Initial meeting with a qualified financial planner

• A chance to ask questions and understand our service

• Opportunity for us to find out what help you require

• Discuss the options available to you from our menu of services

• Information about our charges

Fees for this part of our service – at our expense

Preparation of Financial Analysis and Plan

• Gathering of information about your existing financial arrangements

• Full risk profile completed

• Cashflow Analysis completed if required

• Analysis of your current holdings to see if they match your risk profile

• Recommendation of an asset allocation that matches your risk profile

• Preparation of detailed report outlining our recommendations

• Second meeting to explain and discuss your report in detail

 

Implementation

• Handling of all fund and policy administration on your behalf

• Regular updates to keep you informed of progress

• Ensure all your documents are issued in line with your expectations

• Confirmation of all actions taken on your behalf in writing

 

Reviews

• Structured reviews to give you peace of mind

• Assessment of your current circumstances and any changes to your plans that are needed

• Regular updates and information regarding your holdings

• A choice of differing levels of support depending on your needs

• Ongoing support with correspondence and administration issues

 

How we get paid

Independent Financial Advisers can be paid in four ways:

Financial Audit Fee

• This fee is dependent upon the complexity of your case and personal circumstances.

We will agree the fee with you in writing before we undertake any work on your behalf.

• We can offer you a thorough independent financial review for a fixed fee.

What are you trying to achieve from a financial point of view?

Are you on track to achieve your goals and objectives?

This process does not involve the arranging of a financial product.

 

Managing your Pension and Investment Funds

• Review of your income and growth objectives.

• Review of your existing pension and investments.

• Recommendations on fund choices and strategies.

 

Asset & Lifestyle Programme

• Annual reviews are important and benefit all clients.

• Circumstances can change quickly.

• Reviews are chargeable.

• A monthly retainer ensures an annual face to face review.

 

Transaction Fee

• We will receive a commission from product providers for placing business through them.

• As Independent Financial Advisers we will fully research the market place in order to obtain the most appropriate terms on your behalf.

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