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Our advice process starts with getting to know you and understanding your needs. Our fact-finding meeting is an opportunity for us to gather information about you, your plans and your existing arrangements. During this meeting, we would discuss your tolerance for investment risk and your capacity for investment loss.
Following that initial meeting we will obtain detailed information about your existing arrangements from you or direct from the product providers. We will conduct a health check to establish whether existing arrangements are fit for purpose before recommending any changes. This analysis would include:
• A review of current performance
• A review of any charges payable
• An understanding of the options and limitations of the existing arrangements
• An assessment of the arrangements in relation to your current and future needs
• An assessment of the value of your estate for inheritance tax purposes
We will research suitable products, considering the tax treatment of possible solutions and product features that are essential or desirable. We will issue a financial report to you which will include the most suitable solutions. Once you have agreed to our recommendations, we will follow through to completion all the recommended actions that you have agreed to.
It is important to regularly review your arrangements to ensure that they remain on track to help you achieve your financial goals. As such, we would recommend an ongoing service. We have differing levels of service depending on the complexity of your needs. We can discuss this with you in more detail and agree the frequency of review meetings with you.
Your dedicated adviser will meet with you initially to understand your needs and your goals. We will discuss your payment options with you based on the type(s) of work we are asked to undertake for you and answer any questions you have. We will not charge you until we have agreed how we are to be paid. We will discuss with you when you will have to pay our charges, both initial and ongoing. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date unless you elect to receive ongoing services from us.
We work on a fixed fee basis. The fee payable would reflect the complexity of the work that we feel we will need to carry out for you. Once we have understood your needs, we will prepare an itemised cost projection which we will share with you before carrying out any work.