OUR SERVICE
First and foremost we listen to our clients in order to establish what their financial objectives are. Those objectives will be dependent on a wide range of circumstances each of which are unique.
With clear objectives in mind, we personalise a detailed financial plan and cashflow forecast.
Within the plan we establish how much investment risk to take and determine what return is needed from investments over relevant periods of time.
We may recommend financial products such as pensions and ISAs or insurance policies, and we facilitate establishing those arrangements where appropriate.
Following the implementation of a financial plan and assuming an on-going relationship has been agreed, it is a collective responsibility to review the plan periodically. This ensures that the underlying financial products and investments remain suitable and that clients are on course to meet their financial goals.
The review will also include new recommendations as circumstances change and objectives evolve.
Please be aware that investments carry risk and should be regarded as long term. The value of your investments (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.
OUR FEES
We charge agreed initial and on-going fees, expressed in pounds and pence, for the advice and service we provide. The amounts vary depending on the time we estimate spending, the complexity involved and the amounts being invested.
We don’t charge initial or on-going percentage amounts of funds invested as we believe it increases the likelihood of a potential conflict of interest.
With regards protection arrangements such as life cover, we may receive commission payments from providers and we fully disclose the amount during the recommendation process; for higher sums assured we may offer a fee based alternative if more appropriate.
Further details regarding our fee structure are explained during a first free of charge introductory meeting, after which we will provide you with a fee proposal based on our understanding of your needs and objectives.