Private Client Service

Our Main Service to You

  • Free initial meeting to assess your circumstances, attitude towards risk and financial planning needs, in order to make suitable recommendations
  • Recommendations made, following extensive use of a wide range of independent research tools
  • Implementation of our recommendations, once agreed with you
  • Comprehensive Financial Planning Report detailing the reasons for our recommendations, tax considerations, risks and other planning areas to be addressed
  • Access to our Cash flow Forecasting tool to help you understand, discuss and ultimately reach your financial goals.



Annually

  • 2 face-to-face meetings a year with your adviser, including
  • A complete review of your financial strategy
  • A financial health check and Cash flow review
  • A review of your ongoing attitude towards investment risk
  • Unlimited telephone and email access to your Adviser between review dates
  • Additional face-to-face access to your Adviser between review dates, should circumstances require it.



Day-to-Day

  • Phone calls and emails returned within 24 hours
  • Providing external information to your accountant and any other professional advisers
  • Supplying end of year taxation information as required
  • Recommending suitable professionals as other needs arise – ensuring that everyone on your financial team provides advice in a co-ordinated and professional way
  • Removing the hassle by taking the complexity out of administering your financial life and helping you win the 'paper war'
  • Making ourselves available to consider new ideas from whatever source they may originate



Investment

Portfolio Construction

  • Using a scientific, risk profiling methodology
  • Design of a suitable asset allocation structure
  • Portfolio design and construction using a range of independent research tools
  • Quarterly pro-active reviews of our model portfolios

Portfolio Management

  • Online access to portfolio valuations
  • Portfolio monitoring and reviews
  • Realigning of asset allocation to agreed benchmark
  • Written portfolio valuations issued half yearly.



Retirement and Taxation

Retirement:

  • Specialist advice on your retirement options
  • Making sure you are aware of the impact of legislative and regulatory changes and the impact on your retirement plan
  • Specialist advice for owning business premises
  • Annual pension review – look back over the last 12 months
  • Options to address flexibility to reflect lifestyle changes
  • Access to our Cash flow Forecast tool, to help you plan for retirement

Taxation:

  • Working with your Accountancy Professionals to help you complete your tax return or put you in touch with Accountancy Professionals
  • Options to address flexibility to reflect lifestyle changes
  • Probate, Wills & Estate Planning Service - Provide investment valuations on death for Probate purposes, and assist you with completion of any forms
  • Liaise with investment / plan providers in event of death
  • Inheritance Tax Mitigation strategies PROTECTION
  • Identifying potential insurable risks to protect your assets, debts, liabilities and financial dependants.
  • Reviewing any existing plans to ensure they are still suitable for your needs.



Wealth Accumulation

  • Identifying short, medium and long term goals and providing a strategy to help meet these.
  • Guidance on how to save in most tax efficient manner.



Our Fees

  • Initial Adviser Charge: up-to 3% of investment (for example - £100,000 investment = £3,000 initial fee)
  • Annual Adviser Charge: 0.85% of investment portfolio value (for example - a £100,000 portfolio would cost £850 per annum).