Financial planning
We add up everything you hold, what each part will pay you and what it costs, and review the plan with you every year.
We add up everything you hold, what each part will pay you and what it costs, and review the plan with you every year.
We add up the pensions, ISAs and policies you hold: what each is for, what it will pay you, what it costs in charges, and what is missing.
We then review the plan with you at least once a year. Older pensions can carry guarantees that are no longer sold, so the advice may be to leave one where it is.
Financial planning covers both regulated and unregulated areas. We will tell you which parts are regulated advice and when another professional needs to be involved.
Your first call is with an Account Manager. You tell us what is on your mind and we tell you whether we can help.
The health check that follows is at no cost to you. We gather what you already hold, work out what each part is doing, and give you a written summary to keep.
The first conversation and the health check are at no cost to you. After that it depends on the work. Some advice is paid for by a fee. For mortgages and protection, we may be paid by the lender or insurer through commission. For some investment and pension advice, our charge may be calculated as a percentage of the amount invested or transferred.
Whichever applies, you get the amount in pounds and a choice before anything happens.
No. A large part of this work is for people with a couple of pensions, a mortgage and a family to protect.
Sometimes. Consolidation can cut charges and make a plan much easier to manage. But older schemes can carry guaranteed annuity rates, protected tax-free cash or enhanced benefits worth considerably more than the convenience of tidying up.
We check every scheme before recommending anything.
A financial health check at no cost to you can help you understand whether your existing arrangements remain suitable for your circumstances and objectives.
Yes, with your consent. We work alongside your accountant and solicitor, whoever they are, so the plan and their work agree with each other.
Advice is paid for by an agreed fee, by commission, or as a percentage of the amount invested. The full answer.
Your number depends on what your retirement will cost. The full answer.
Independent Financial Adviser
Independent Financial Adviser
Your first call is with an Account Manager and is at no cost to you. Tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write.