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OUR SERVICES


As independent financial advisers we are free to advise on the financial products available from every product provider. We use advanced computer software to research, compare and select the most suitable deals currently available. By doing this, we are able to make arrangements that maximise the benefits to our clients.

You’ll get our help to review your existing financial situation and reach a realistic assessment of your needs. For this, you’ll need to set aside some time to talk to us – the first one-hour consultation is free. There’s no charge, and no obligation, while we find out together if it’s worth going ahead.

Depending on your instructions, we will carry out a needs analysis based on your current situation, taking into account any specific plans or targets you may have. We will then advise you on anything from a short-term financial objective to a lifetime financial plan, followed up with regular reviews.

You will receive professional advice about where your financial arrangements are already good, and where they’re inadequate (or not covered at all).

You’ll also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course our recommendations will all be sensibly balanced in relation to your current income and your prospects.

In almost all cases we are able to make arrangements that our clients are unable to make for themselves. All our proposals will be fully explained and costed so that you’ll know exactly what we are recommending, why, and how much it will cost, before you agree to anything.

If you want to take control of your finances, our investment specialists will help you plan your investment portfolio to meet your financial goals. As your goals change over time, so we continue to monitor your portfolio to ensure it evolves in line. We make sure you have peace of mind that your money is in the right place.


We offer a variety of service options to meet your specific needs


PREMIER SERVICE


Our Premier Service is aimed at clients with fairly complex or frequently changing needs and circumstances. We take a more active role in managing your finances and provide ongoing advice. You’ll have two reviews with your adviser each year. At least one of the reviews will be a face-to-face meeting with your adviser, the other may be over the phone.


MANAGED SERVICE


Our Managed Service is aimed at clients with less complex needs, but who still need ongoing advice. You’ll have one review with your adviser each year (either a face-to-face meeting or over the phone).


TRANSACTIONAL SERVICE


Our Transactional Service enables you to receive our investment recommendation without having any ongoing advice.


RESEARCH SERVICE


Our Research Service for lifetime financial planning and cash flow modelling provides you with a one-off comprehensive review of your investments or pensions. We look at the sustainability of funds over the long term as well as identifying any funding gaps. We will help you plan how to repay any liabilities and when it’s best to do so.

Please note that the Financial Conduct Authority does not regulate cash flow modelling.


Contact us to request our Fees and services document for full details of our charging structure and the different service features that apply.

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