The Ongoing Services
Your financial needs and objectives extend into the long term, and your planning should support that long term view. Maintaining your finances in line with your planning as well as providing reassurance and engagement to eliminate concerns is a powerful combination that our clients find extremely beneficial.
Ongoing financial planning
It is our view that meeting financial planning and investment goals without unnecessary risk is significantly more likely if plans and investments are routinely reviewed. The initial work we complete is foundational to your ongoing financial planning, continued in our ongoing services and investment oversight.
All of our relationships with clients assume an ongoing engagement with you that allows us to fully discount the pre-planning fees when giving further advice to an existing client.
A breakdown of the services
Your financial advice journey highly benefits from being a long-term commitment with your chosen Adviser. This is to ensure a relationship of trust and understanding between you and your Adviser along with gaining a specialist who is an expert on your exact financial situation.
Annual review meeting to discuss your ongoing financial plan and your current position relative to achieving your aims.
Tracking the annual allowances available to you, and the amounts used per year to implement the most effective planning.
Year-end tax planning review both your business and personal tax, to make sure all tax reliefs and allowances available have been utilised in the current tax year, and plan for the year ahead.
A breakdown of your policies and an overview of your current investment positioning, on request.
A written report detailing our annual review of the suitability of each plan, and the effectiveness of these over the last year. The report details the key actions we prioritise for the coming year.
Preparation and ongoing update to a simple cashflow forecasting model with scenario planning, if requested.
Oversight of bespoke at-retirement income planning may incur further costs due to the complexity involved.
An ongoing maintenance of your client information; primarily updated once a year in an annual meeting.
What can you expect in terms of Administration, Compliance & Regulatory Duties?
Access to our centralised investment proposition, maintaining a selection of researched core platforms with favourable prices for our clients.
Administration of plans and correspondence with providers.
Maintenance of our back office system.
Providing market context, information, guidance and support as well as queries regarding our services or your plans.
Maintaining client files to regulatory standards.
What can you expect in terms of investment oversight?
Maintain and update your objectives and goal time frames in order to ensure our planning is continually appropriate.
Maintain and update your risk-reward profile, your tolerance for market change and your investment views and aims.
Adjust portfolio to meet income and capital requirements in line with risk-reward profile.
Carry out annual whole-of-market review of core investment solutions.
Rebalance portfolio as appropriate as required.
Monitor, meet and review investment managers.
Delivery of our Quarterly Investment Reports including market commentary.
The value of an investment can fall as well as rise and that investors may not get back the amount they invested.
MORTGAGE ADVISERS
Fully independent experts with decades of experience negotiating mortgages - utilising strong ties with industry lenders to assure you the best deal possible.
INDEPENDENT FINANCIAL ADVISERS
Our independent financial Advisers have various areas of expertise within all parts of the financial industry.
CONTACT US
By sending us an inquiry today, we can help guide you through your financial journey.