Prior to engaging us for an advice service, we offer an initial meeting to understand your situation and identify your financial needs and objectives to assess which of our services, if any, may be suitable.

If you have more than one pension or ISA plan, we can undertake an in-depth review to assess the appropriateness of consolidating them and investing into our Centralised Investment Proposition.

As part of our service, we will liaise with the relevant pension / ISA providers on your behalf to consolidate the plans.

Once you are already invested into our Centralised Investment Proposition, future transfers may be executed via our non-advised Direct Offer (conditions may apply)

As you approach retirement, we can undertake a review of your current pension plans, alongside your personal financial situation and assess the options available to you, presenting you with a plan to meet your individual requirements.  As part of our service, we will assist with putting this plan in place, contacting the relevant pension providers on your behalf.

As you approach retirement, we can undertake a review specifically to assess whether an annuity is appropriate for you and provide you with a recommendation as to which one.  

As part of our service, we will assist with putting this plan in place, contacting the relevant providers on your behalf.

Dependent upon your situation, we can undertake a review specifically to assess whether a bond investment may be suitable to your situation and provide a recommendation suitable to your circumstances.

Dependent upon your situation, we can undertake a review specifically to assess whether a bond investment may be suitable to your situation and provide a recommendation suitable to your circumstances.

We will undertake a thorough review of your current situation and assets and provide advice on inheritance tax planning, including Trusts and Business Relief investments, and assist in implementing the recommendation.

Where our recommendation involves setting up a trust, we will assist with setting up the trust as part of our service.

You have a legal requirement to perform due diligence on any trust for which you are the trustee.  The initial review undertaken with ourselves, as well as any review we undertake if you require us to perform ongoing services, can help to demonstrate you are meeting your legal requirements.

A review of the bespoke investment products on the market at the time of your enquiry e.g., structured products or deposits, to find an investment to suit your particular needs, investment knowledge, attitude to risk and investment strategy, as well as an analysis of affordability.  

We will provide our personalised recommendation in a written report.

This service is aimed at our existing passively-managed clients and incorporates an in-depth review of your financial and personal situation, understanding your financial objectives, attitude to risk and capacity for loss to create an overall plan for your money and convert you to an actively-managed client. 

As well as the initial fee, there will be a change in ongoing from from £250pa to 0.50% of your portfolio value.

We can assist in helping you plan wisely to meet the rising future costs of private education and / or university fees to help you provide your children with the best possible education without breaking the bank.  We will discuss your choice of educational institutions with you as well as your current financial situation and carry out a review of the options available to you.

 If you would like an annual review, you may find a cashflow planning exercise will enable you to assess if you are still on track to meet your goals.

We will provide advice on the most suitable insurance contract(s) for you.  This will include a fair and unbiased analysis of the market in relation to all relevant products, gathering quotes from across all market providers and selecting the most appropriate one for your specific and personal needs.

We will gather life insurance quotes on your behalf from the market based on your request.

Where you subsequently require advice on the most suitable insurance contract for you and you would like us to take care of dealing with the underwriters, you may engage us for our full non-investment insurance review and we will endeavour to offset the £500 against the fee for the ful review. VAT will no longer be applicable.

Our holistic independent advice service includes an initial meeting and an in-depth review of your financial and personal situation before creating an overall plan for your money where you do not wish to invest in our Centralised Investment Proposition or engage us for our Ongoing Monitoring & Review service.  We are able to tailor our advice to any particular topic, as determined by your personal situation and objectives, including:

• Managing finances

• Tax planning

• Retirement / pension planning

• Retirement income projections

• Pension consolidation

• Investment guidance

• Inheritance & gifting

• Mortgage repayment guidance

• Changes of circumstances, including divorce (e.g., pension sharing), family deaths, etc.

• Elderly care options

• Non-investment insurance / financial protection (critical illness cover, private medical insurance, life cover, income protection, family income benefit, etc.)

If you subsequently decide to engage us immediately following the meeting for any of our services that will result in using our Ongoing Monitoring & Review service, we will look to offset this fee against the initial fee for the service we provide

This service includes investment recommendations on investment portfolios outside of our Centralised Investment Proposition e.g., an in-depth review of your current investments and any funds you are invested in to assess their suitability with a potential recommendation of specific additional/alternative funds on the same platform and will incorporate a review of the appropriateness of product provider.

This service requires in-depth research on the provider and the funds available.

Our Ongoing Monitoring & Review Service includes:

• Ongoing evaluation of your situation, including an annual meeting and cashflow report, as well as an annual evaluation of the suitability of our advice and confirming the products and investments we have recommended remain suitable.

• Ongoing review of client investments under active management, including updates to our portfolios based upon our quarterly research.

• Ongoing centralised research, including recommendations to invest in bespoke products.

• Annual review of providers, assessing if they remain suitable, taking into account the services they provide, their charges and their standard of service and efficiency, etc.

• Ongoing support, including ongoing access to an adviser or client manager if you require any support or guidance.

Please see our Terms of Business under Key Documents for a full description of this service