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).