Financial Review and Recommendation. This can be a continuation from the initial discussion, where agreed, or a further appointment. This process covers the: • gathering of information about your existing financial arrangements and full personal circumstances; • understanding of your investment knowledge and attitude and tolerance towards investment risk; • recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings; • preparation of our recommendations to you; • arranging a second appointment to explain and discuss our recommendations in detail. Our charge for this service is a fixed fee of £500 payable on provision of the report containing our recommendation(s) to you. This fee will be waived wholly or in part should you decide to implement any of our recommendations.
Financial Review and Recommendation. We will carry out an extensive assessment of your financial circumstances at the outset to establish your financial planning requirements. This will include: • gathering of information about your existing financial arrangements and full personal circumstances; • understanding of your investment knowledge and attitude and tolerance towards investment risk; • recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings; • preparing our recommendations to you; • Arranging and delivering an appointment to explain and discuss our recommendations in detail. There is no charge for financial review and recommendation
Financial Review and Recommendation. This can be a continuation from the initial discussion, where agreed, or a further appointment. This process covers the: • gathering of information about your existing financial arrangements and full personal circumstances; • understanding of your investment knowledge and attitude and tolerance towards investment risk; • recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings; • preparation of our recommendations to you; • arranging a second appointment to explain and discuss our recommendations in detail. Our charge for this service is a fixed fee of £500 payable on provision of the report containing our recommendations to you. This fee will be waived wholly or in part should you decide to implement any of our recommendations. To assist us with the delivery of our Investment Services we use a system called Dynamic Planner by Distribution Technology. Distribution Technology is the UK's leading provider of financial planning and sales technology and has an excellent reputation for market-leading advice technology. Distribution Technology has appeared in the annual Tech Track Top 100 ratings in September 2009. Their tool allows us to analyse our clients' attitude to risk using a range of psychometric questionnaires, and providing clients with a view of the consequences of their decision through the production of expected gains and losses based upon clients' risk choices. Fees based on percentage of the amount you invest.
Financial Review and Recommendation. This can be a continuation from the initial discussion, where agreed, or a further appointment. This process covers the: • Gathering of information about your existing financial arrangements and full personal circumstances; • Understanding of your investment knowledge and attitude and tolerance towards investment risk; • Recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings; • Preparation of our recommendations to you; • Arranging a second appointment to explain and discuss our recommendations in detail. Our charge for this service is a fixed fee of £300 payable on provision of the report containing our recommendations to you. This fee will be waived wholly or in part should you decide to implement any of our recommendations, which will be charged accordingly. Policy Arrangement & Implementation – Lump Sum Investments or Transfers Should you instruct us to proceed with any of our recommendations we will act for you in the following ways: • Handle all fund and policy administration on your behalf. • Provide regular updates to keep you informed of progress. • Ensure all your documents are issued in line with your expectations. • Provide confirmation of all actions taken on your behalf in writing. Our charge for this service is based on a percentage of the amount you invest and/or transfer. These charges are applied as follows but are subject to a minimum of £300. For all Pensions containing Safeguarded Benefits, please refer to the section below for further details. Example percentage of the amount you invest. Investment amount Fee Investments under £100,000 3% Investments between £100,001 - £200,000 1.5% Investments more than £200,001 0.5% Example 1: if we arrange an investment on your behalf for £8,000 our implementation fee would be £240. As this less than the ‘financial review and recommendation’ fee of £300 we would charge you an additional £60 as the balance. The total fee payable would be £300 Example 2: if we arrange investments on your behalf totalling £150,000 our implementation fee would be 3% of the first £100,000 which will be £3,000 and 1.5% on the remaining £50,000 which is £750 so in total our fee would be £3,750. As this exceeds the ‘financial review and recommendation’ fee no other charges would be applied.
Financial Review and Recommendation. This can be a continuation from the initial discussion, where agreed, or a further appointment. This process covers the: • gathering of information about your existing financial arrangements and full personal circumstances; • understanding of your investment knowledge and attitude and tolerance towards investment risk; • recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings; • preparation of our recommendations to you; • arranging a second appointment to explain and discuss our recommendations in detail.
Financial Review and Recommendation. This can be a continuation from the initial discussion, where agreed, or a further appointment. This process covers: • preparing a summary of recommendations based upon your personal circumstances • preparation of our recommendations to you Implementation (lump sums and transfers) Should you instruct us to proceed with any of our recommendations, we will act for you in the following ways: • handle all fund and policy administration on your behalf; • provide regular updates to keep you informed of progress; • ensure all your documents are issued in line with your expectations; Our charge for this service is based on a percentage of the amount you invest and/or transfer. This charge is applied as follows;
Financial Review and Recommendation. We will carry out an extensive assessment of your financial circumstances at the outset to establish your financial planning requirements. This will include: gathering of information about your existing financial arrangements and full personal circumstances; understanding of your investment knowledge and attitude and tolerance towards investment risk; recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings; preparing our recommendations to you; Arranging a second appointment to explain and discuss our recommendations in detail. There is a charge of £500 for this service. Usually we would offset this fee against the remuneration we receive at implementation stage. When you receive our report/financial plan it will be your decision whether to implement our recommendations either completely or in part. A clear breakdown of what our fees are for implementations is included in our client agreement which you are in receipt of. Policy arrangement and Implementation The implementation of our recommendations includes where appropriate: Handling of all fund and policy administration on your behalf Regular updates to keep you informed of progress Ensure all you documents are issued in line with your expectations Confirmation of all actions taken on your behalf in writing Our fees for this part of the service are covered in detail within our client agreement which should be read in conjunction with this document.
Financial Review and Recommendation. This can be a continuation from the initial discussion, where agreed, or a further appointment. This process covers the: • gathering of information about your existing financial arrangements and full personal circumstances; • understanding of your investment knowledge and attitude and tolerance towards investment risk; • recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings; • preparation of our recommendations to you; • arranging a second appointment to explain and discuss our recommendations in detail. Our charge for this service is a fixed fee of £500 payable on provision of the report containing our recommendations to you. This fee will be waived wholly or in part should you decide to implement any of our recommendations. Policy Arrangement & Implementation Should you instruct us to proceed with any of our recommendations we will act for you in the following ways: • handle all fund and policy administration on your behalf; • provide regular updates to keep you informed of progress; • ensure all your documents are issued in line with your expectations; • provide confirmation of all actions taken on your behalf in writing.
Financial Review and Recommendation. This can be a continuation from the initial discussion, where agreed, or a further appointment. This process covers the: • gathering of information about your existing financial arrangements and full personal circumstances; • understanding of your investment knowledge and attitude and tolerance towards investment risk; • recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings; • preparation of our recommendations to you; • arranging a second appointment to explain and discuss our recommendations in detail. Our charge for this service is a minimum fixed fee of £500 depending on the complexity of your situation, and is payable on provision of the report containing our recommendation(s) to you. This fee will be waived wholly or in part should you decide to implement any of our recommendations, and wish for our fees to be paid by the product providers.
Financial Review and Recommendation. This can be a continuation from the initial discussion, where we agreed, or a further appointment. The process covers the: • Gathering of information about your existing financial arrangements and full personal circumstances; • Understanding of your investment knowledge and attitude and tolerance towards investment risk; • Recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings; • Preparation of our recommendations to you; • Arranging a second appointment to explain and discuss our recommendations in detail. Reviews (by request only) ad hoc and/or transactional. For example if carrying out an appraisal of your Pension/s. We will confirm what we will charge you in writing before beginning work. Our typical charges are: Initial review: £1,000 - £2,000 Annual review: £500- £1,000 On-going Services Our charges are based on a percentage of the amount you invest and/or transfer. Our typical charges are: Lump Sum- a typical percentage charge as follows: Research, Advice & set up charge – % of initial investment Ongoing advice charge (optional- if required) % of current value, per annum Investments – Transactional Service clients with up to £100,000 3% on the first £100,000 (£3000) n/a Investments – Transactional Service clients with over £100,000 As above, then 2% thereafter n/a Investments – Standard Service clients with up to £60,000 3% on the first £60,000 (£1,800) 0.6% p.a. (£360) Or £360 whichever is the higher. Investments- Standard Gold clients 60,000 to £150,000 3% on the first £100,000 (£3,000) 0.85% p.a. (£510-£1,275) Or £750 whichever is the higher. Investments – Premier Service clients with over £150,000 As above then @ 1.5% thereafter 0.95% p.a. minimum £1,500 whichever is the higher. Existing Wealth management clients Typically 1.5% for Pensions and 1% for other Investments Variable, depending on level of service required (see the accompanying ‘Service Levels’ document) Note: for definitions and full details of these levels of service please refer to our document headed ‘Service Levels’. Please note where DFM (Discretionary Fund Management) service is selected, the Premier and Standard Gold fees reduce by 0.15% p.a. The DFM charge is a separate charge at a cost of 0.15% p.a. and this is subject to VAT.
