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Our Process

1. Initial Contact

1. Initial Contact

You can make contact by phone or email and arrange to speak with one of our advisers. This initial conversation will usually take place over the phone and will be free of charge with no obligation to proceed. The purpose of this conversation is to ascertain what your goals and objectives are, and to get to know you better. We believe that the best quality advice comes from understanding our clients’ requirements from the offset. Should you be happy with the outcome of this discussion we will arrange to have the relevant documents sent to you for completion.

2. Getting to know you

2. Getting to know you

This next step involves getting to know you better. Every person is unique so there is no one size fits all financial advice. It is key that we determine your ethical considerations as well as your current circumstances. It is also important that we assess what level of investment risk you would be willing to take.

Confidential Personal Information –This confidential document asks for information relating to your personal circumstances and current financial position. It is important that we collect as much data as possible so that we might offer you the best advice in accordance with your situation.

3. Ethical and Risk Profiling

3. Ethical and Risk Profiling

Ethical Profile – This document will ask you to highlight your ethical considerations. It will determine what you would like to actively invest in and what you would like to avoid. Your answers will then go through our screening process which will provide us with a guide as to what may be suitable in line with your ethical preferences .

Risk Profile -  We would all like to achieve our financial objectives with minimal effort or risk. However, it is important that we understand the balance between risk and reward to develop a successful savings and investments strategy. The risk profile assessment will help us determine the level of investment risk you are willing to take on your investments. Risk is a complex area and key to any advice provided, therefore it is important that we fully understand your views and outlook. This will therefore be discussed with you as part of the process.

4. Initial Report

4. Initial Report

Once we have collected all the relevant information an initial report will be sent to you outlining our understanding of your situation and highlighting any additional considerations. This report will also detail a plan of what action may be necessary in order to achieve your objectives, together with an indication of the associated costs for the advice. Everything up to this stage will be free of any charge, should you agree to proceed, any further work will become chargeable and a fee agreement will be entered into. Details of our costs and charges can be found below.

5. Research, Report & Recommendation

5. Research, Report & Recommendation

Should you agree with our initial report and wish to proceed then we will begin our research process. Once this research has been completed a full report will be sent to you which will include our detailed recommendations. Depending on your needs this may include various supporting documents such as a cash flow analysis and an estate planning report.This report will be chargeable, (please see our fees and charges section below).

6. Implementation

6. Implementation

Should you agree with our recommendation and wish to proceed then we will process your application and administer the implementation of any new plan.

7. Ongoing Advice

7. Ongoing Advice

Your circumstance could change; therefore, it is important to regularly review your arrangements to ensure that they continue to meet your objectives and remain suitable to your risk profile and ethical considerations.

8. Fees & Charges

8. Fees & Charges

We offer various charging structures, we will always recommend the structure that works out cheapest for you. The charging structures are as follows;

  1. A fixed fee of £1,280 for the report. This is payable whether you decided to proceed with the recommendation or not. In addition, a fee of 1% of the amount invested is payable upon implementation depending on the amount invested
  2. You can choose to be invoiced on a fixed cost or an hourly rate

Further details of our fees can be found in our fee agreement. There are a number of ways you can pay our fees:

  • The amount due can be paid in full from the investment
  • You can be invoiced for the full amount
  • A combination of the two noted above