OUR SERVICE
First and foremost we listen in order to establish what your financial objectives are. Those objectives will be dependent on a wide range of circumstances each of which are unique to you.
With clear objectives in mind, we personalise detailed financial plans and cashflow forecasts.
Within your financial plan we establish how much investment risk you need to take and determine what return is needed from your 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 our collective responsibility to review the plan periodically together. This ensures that the underlying financial products and investments remain suitable and that you remain on course to meet your 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
Our principal remuneration takes a single form: an ongoing charge for the management of your portfolio, calculated as a percentage of the funds we manage on your behalf and tiered so that the rate reduces as your portfolio grows.
We do not apply initial percentage-based charges on new funds invested, and we receive no product-related remuneration in respect of your investments — our interests are aligned solely with the long-term management of your wealth.
Where we arrange certain protection products, such as life cover, we may receive commission from the provider; this will always be disclosed to you.
Where the complexity of your circumstances warrants detailed initial planning, a one-off planning fee may apply, agreed with you in advance. Any underlying fund or platform charges are set out in full before any commitment is made.