What we Offer

Our team is built on specialists with relevant areas of expertise, backed up by qualified and dedicated administration support team.

Our Process

An initial consultation followed by a written summary of our meeting

Analysis of the information gathered, develop and present our recommendations

A review meeting and recommendations

Implementation process

Ongoing review service

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 detailed in our Financial Planning pages.

Personal Client Proposition

To benefit from a high quality regular service covering all aspects of financial advice for private clients and businesses, it is important to be part of a Personal Client Proposition/Programme.

By joining our Client Service Programme we believe you will have the peace of mind, security and confidence from the knowledge that your financial plans are being reviewed regularly by a long established professional firm.

We offer a number of different levels of service, we will discuss these options with you to ensure the most appropriate service is chosen to suit your on-going financial needs.

Comprehensive

Ongoing Meetings
Annual review meeting	You will be entitled to a minimum of one face to face meeting per year, during which, we will complete a review of your circumstances, needs, priorities and establish whether your current investments remain suitable. We will confirm your financial objectives in order to establish any changes in your capital or income requirements. We will discuss investment market conditions and your specific attitude to risk. At your request we can also consider any other financial needs you may have.
Review Service
Information	Half-yearly valuations and review and monitoring of your investment portfolio with performance summary, current market issues and any other matters of the moment. Annual investment portfolio report.
Reporting
Annual review report	Following our annual meeting, we will provide a report confirming our discussions, summarising our findings and outlining any recommendations we may make.
Investment Management
Investment portfolio management	Having thoroughly re-established your circumstances, objectives and goals, we will continue to tailor your investment portfolio to your individual requirements, appropriate to the level of risk you are prepared to take. Where necessary we will contact you to discuss any required changes to your portfolio.
Contact
Telephone / email direct access to adviser	You will have direct telephone or email access to your adviser and the City & Trust team during working hours for personal assistance. Where appropriate, we may suggest an ad hoc meeting for more complex concerns.
Administration
Client file retention & maintenance	We will update your file and hold it securely, in accordance with our data protection policy and regulatory requirements as a very minimum standard.
Forward provider correspondence	We will forward any correspondence concerning your investments to ensure you are kept up to date with their performance and current value.
Professional Services
Liaising with 3rd party professionals	Where required we will liaise with your other professional advisers e.g. solicitor and accountant to co-ordinate your affairs, ensure consistency of approach in related matters and provide relevant updates.
End of tax year information service	Where relevant, we will assist you with any information required in relation to your end of tax year return, which will be shared with your accountant, as required.
Cost of this service	1% a year based on the value of your investments. For example, based on an investment of £350,000 our charge would be £3,500 a year. Subject to a minimum cost of £2,000 a year.

Classic

Is this service suitable for you?	‘Classic’ is designed for clients who may not need a meeting each year, although require access to a valued resource for help and involvement with their financial plans and their execution, should the need arise. This service strikes the perfect balance between personal control and professional support. Typically, you will have a reasonable understanding of investment principles, including the importance of balancing risk and opportunity. You would probably welcome a periodic communication to discuss your investments.
SERVICES	DESCRIPTION
Ongoing Meetings
Review meeting	You will be entitled to a one face to face meeting every year, during which, we will complete a review of your circumstances, needs, priorities and establish whether your current investments remain suitable. We will confirm your financial objectives in order to establish any changes in your capital or income requirements. We will discuss investment market conditions and your specific attitude to risk. At your request we can also consider any other financial needs you may have.
Review Service
Information	Annual review and monitoring of your investment portfolio with performance summary, current market issues and any factual amendments. Annual investment portfolio report.
Reporting
Post review report	Following our meeting, we will provide a report confirming our discussions, summarising our findings and outlining any recommendations we may make.
Investment Management
Investment management	Having thoroughly re-established your circumstances, objectives and goals, we will continue to tailor your investments to your individual requirements, appropriate to the level of risk you are prepared to take. Where necessary will contact you to discuss any required changes to your portfolio.
Contact
Telephone / email direct access to adviser	You will have direct telephone or email access to your adviser and the City & Trust team during working hours for personal assistance.
Administration
Client file retention & maintenance	We will update your file and hold it securely, in accordance with our data protection policy and regulatory requirements as a very minimum standard.
Forward provider correspondence	We will forward any correspondence concerning your investments to ensure you are kept up to date with their performance and current value.
Cost of this service	0.5% a year based on the value of your investments. For example, based on an investment of £250,000 our charge would be £1,250 a year. Subject to a minimum cost of £750 a year.

Choice

Is this service suitable for you?	‘Choice’ is suitable for individuals who value the benefits of receiving full advice in order to meet their financial needs, but, for whatever reasons do not wish to have the option of a regular review discussion. We will however maintain contact with you remotely via phone, email or post where appropriate.
SERVICES	DESCRIPTION
Review Service
Information	Annual valuations
Contact
Telephone / email direct access to adviser	You will have direct telephone or email access to the City & Trust team during working hours for your personal assistance.
Administration
Client file retention & maintenance	As necessary we will update your file and hold it securely, in accordance with our data protection policy and regulatory requirements as a very minimum standard.
Forward provider correspondence	We will forward any correspondence concerning your investments to ensure you are kept up to date with their performance and current value.
Cost of this service	0.5% a year based on the value of your investments. For example, based on an investment of £75,000 our charge would be £375 a year. Subject to a minimum cost of £250 a year.

CITY & TRUST FINANCE LIMITED is authorised and regulated by The Financial Conduct Authority. CITY & TRUST FINANCE LIMITED is entered on the FCA register (www.fsa.gov.uk/register/) under reference 133462.

The Financial Conduct Authority do not regulate Will Writing, Loans, Credit Cards, or some forms of Mortgage, Tax Advice, Offshore Investments, Estate Planning.