Our Terms of Business
The FCA states that certain information is to be provided to the client prior to business commencing. This ensures that the relationship between the client and the firm is clear
Our typical terms of business are set out in our Client Agreement. However, we will discuss your preferences such as how we are paid when you ask us for our advice.
Our Typical Engagement Process
We will gather information about your existing financial arrangements and personal circumstances. This will include your investment knowledge and your ability to accept risk.
We issue a letter detailing our understanding of your objectives. The letter will also specify the service we propose to provide and how much it will cost you.
We will analyse your existing arrangements to assess their suitability for you. This will be the basis for our recommendations.
We will provide you with a recommendation report. This will outline our recommendations moving forward.
We will also offer a second meeting to explain and discuss our recommendations in detail.
This is the point at which the initial fee would typically become due.
Once agreed, we will action the recommendations set out in the report.
We will handle all fund and policy administration on your behalf. This includes liaising with the relevant bodies and ensuring that the requested action takes place in a timely manner.
We will provide regular updates to keep you informed of our progress.
Your financial objectives may change over time due to changes in your lifestyle or
circumstances. We believe it is essential to ensure that your portfolio continues to meet your lifestyle and investment objectives.
Therefore, we will meet regularly to review your financial objectives and recommend any changes required.