The purpose is to identify your needs and objectives, pinpointing the relevant facts and information. Outline our services and costs and establish the basis on which you would wish to proceed.
Review and Recommendation:
A meeting to present our analysis and findings and put forward our recommendations as to how to meet your aims and objectives.
This could be on a specific issue or an overview of your entire financial situation.
Our areas of expertise, which may involve different specialist advisers are:
An assessment of your current plans covering, life and ill-health. The consequences of death or long term illness on the finances of your family.
Identification of shortfalls in the length of time cover lasts or the amount of cover and the potential costs of any amendments recommended.
Savings and Investment Review:
An assessment of your attitude to risk and a complete review of existing investments, together with a review of your aims and objectives. Then we can see how your existing plans meet those objectives and identify how best to remove any shortfalls identified.
A review of your existing pension arrangements in terms of the options available to you and an investigation into existing plans if required.
Your aims and objectives for retirement, both how much and when.
A review of your current investments, savings and pensions in terms of making the best use of tax allowances.
A review of the options available to you on taking income on retirement.
Estate Planning Review:
An assessment of the impact of Inheritance Tax on your estate and possible solutions.
Long Term Care Review:
A review of your existing situation and the options available. The potential cost and impact on your income and assets.
The Implementation Process:
This process only starts once we have your agreement on the strategy to be put in place.
This may involve arranging new investments and amending existing plans or a specific arrangement.
Ongoing Review Service:
An essential part of ensuring that you and your family remain on track towards achieving your objectives. Circumstances, objectives, economic climate and legislation change over time and it's important your financial affairs don't lag behind.
A review also gives us the opportunity to discuss any changes that may be relevant to you.
This may involve the following;
Regular Review meeting:
Telephone and email access to our specialist Advisers, plus a face to face meeting (can include Skype) to review your situation either six-monthly or annually.
Investment and pensions valuation forwarded to you either six-monthly or annually.
Client Services Support:
Access to our dedicated Client Service team during business hours.
Portfolio Review Service:
Valuation and assessment of current holdings, together with recommendations on individual funds.
Assessment of any changing circumstances, resulting in the need for increasing or decreasing protection.
Updates and assessment of any changes which may be relevant together with the impact on your future objectives.
Taxation Planning Service:
Updates and assessment on tax limits and use of allowances and tax advantaged products.
Comprehensive Lifestyle Forecasts:
Assessment on meeting your objectives within the confines of current economic conditions and any changes needed.