Financial Advice

The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.



How do we do it?

The objective of the advice service that we provide is to put in place product solutions to enable you to meet your financial goals and then regularly review the performance of those solutions to help you to remain on track. In order to achieve this, we follow the process set out below, which is broken down into six stages:

  • Initial consultation
  • Fact finding
  • Research
  • Report & recommendations
  • Implementation: arranging products and related actions
  • Ongoing review service


Initial consultation

The purpose of this is to identify your personal needs and objectives, establish what benefits would result from using our services, outline our associated fees and give you the opportunity to appoint us.

This initial consultation will be free of charge and without obligation.


Fact finding

This could involve a specific review of your current arrangements and circumstances in relation to particular issues you feel require attention or could involve your entire financial situation. Any or all of the following issues could form part of our review service and we would agree this at the initial consultation.


Investment Review – An objective assessment of your risk tolerance and complete review of existing investments held, including the interest rates applicable on cash deposits.

Pensions Review & Retirement Planning – A review of existing pension arrangements, guidance on generating income in retirement, including conventional annuity purchase, investment linked annuities, capital protected annuities, impaired life annuities, flexible drawdown & more.

Protection Review – An assessment of any life or health protection policies in place, the level of cover provided and any identified shortfalls.

Estate Planning Review – A review and assessment of the impact of Inheritance Tax on your estate and possible solutions to mitigate this.

The FCA do not regulate estate planning.

Lifestyle Financial Planning – Creation and implementation of a strategy to enable you to achieve your objectives, which may include solutions for repayment of borrowing/mortgages, saving for school/university fees or investing for other specified goals.

Mortgages & Liabilities Check – A review and assessment of any current loans or debts, considering interest rates, as well as any fees associated with different arrangements.





Using the results of our analysis we will then carry out appropriate research to enable us to identify the most suitable recommendations to help you to achieve your personal financial needs & objectives.


Report & recommendations

We will present back to you our report detailing the results of our research & personal recommendations including specific product solutions that will support you in achieving your personal needs & objectives.



This process only begins once we have your agreement on the arrangements to be put in place. This involves arranging investments or other products on your behalf, as required, and may extend to implementing a specific financial planning process, such as estate planning. We will act as the intermediary between the product provider(s) and you with a view to arranging the purchase of the Retail Investment Products as we have agreed.


Ongoing review service

An ongoing relationship with our clients has always been integral to our business, as we believe that it can add significant value to both individuals and businesses.

Dependent upon client circumstances the ongoing relationship may vary but the main purpose of this is to monitor your ongoing position to ensure that the products continue to meet your requirements.

Through regular reviews we can also develop our planning strategies over time to take into account your changing circumstances and objectives as well as developments in economic conditions, legislation (taxation etc), new ideas and financial products. Elements of ongoing service can include the following:

  • Up to date valuation of all investments held, quarterly, six monthly or annually.
  • Telephone and email access to your adviser, along with a face-to-face meeting to review your affairs at pre defined intervals. An assessment of your investments and pensions with an assessment of the individual funds held and guidance as to whether more suitable products / funds are available in the market.
  • Guidance regarding the minimisation of your income and capital gains tax liabilities in relation to your Investments as well as how to restructure your holdings to mitigate the effects of inheritance tax on your estate.
  • Advice regarding changing pension legislation and the opportunities and threats created by this.

Tax treatment varies according to individual circumstance and is subject to change.


Implementation Services & Costs

We agree fees on case by case basis depending on the nature and complexity of the work to be conducted. We operate a fixed charging structure as we believe this provides our clients with the peace of mind that comes from having a know price for a particular service or piece of work agreed at the outset.

Following the initial meeting, we will issue a bespoke Terms of Engagement document confirming the work to be carried out and the corresponding fee. We will not carry out any work without prior agreement to our fees.