THE ADVICE PROCESS
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Initial Consultation
This is a short informal conversation usually held via a phone call (can also be done by email or video call). This is for us to establish the nature of the advice you require, and to determine how best we can help. We will then arrange a formal meeting at a time and place convenient to you.
First Meeting
This will be with one of our Independent Financial Advisers and is the start of the formal Financial Advice process. It gives you the opportunity to meet us, to discuss your needs in more detail and to ask any questions you may have about the process.
At this meeting we will gather information about you, your circumstances and your existing financial arrangements. We will help you to ascertain your Attitude to Risk and explain how that may impact any recommendations that we make, as well as give you an overview of potential solutions that may suit your needs.
We will also provide you with information relating to the costs of our advice, however this meeting is free of charge with no obligation to continue the process. No costs will be payable if you decide not to continue at this stage.
If you are happy for us to begin work after this interview, then we will continue as set out below.
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Research & Analysis
Using the information gathered at our initial meeting, we will thoroughly research your current situation and the possible solutions available to you. This includes contacting any existing providers on your behalf in order that we can analyse your current arrangements (this would only be done with your written authority).
We have a range of analytical tools, which, used alongside our extensive knowledge of tax legislation and the wider Financial Services Industry enables us to determine the best solution for your unique situation and requirements, this forming the basis of our advice.
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Our Recommendation
Upon conclusion of our analysis we will have a final meeting where we will present our recommendation to you.
At this stage we would fully explain:
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Why the solution is suitable for you
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Why other options aren't suitable
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How our recommended action would be put into place
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Tax treatment and how we plan to mitigate any potential liabilities that may arise
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Product information and charges
We will also answer any questions or concerns that you may have.
If you agree to our recommended course of action, we will then provide you with any necessary documents for your authorisation and we will take care of the rest.
Ongoing Reviews
For clients that subscribe to our Ongoing Service Proposition, we offer year-round support and assistance with your portfolio. You are welcome to contact us with any questions or issues that may arise.
We will have an annual review meeting to ensure that our recommendations remain suitable for you with any changes to your circumstances, your finances, and even the wider economic outlook and HMRC legislation. We also monitor the performance of your portfolio and ensure that your investments are performing in line with your objectives.
This is also another opportunity for you to ask any questions you may have or to discuss any aspect of your financial situation with one of our professional advisers.