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 £750 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 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 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.
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 my recommendations to you; • arranging a second appointment to explain and discuss my 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 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. 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
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. 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 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 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.
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. There will be no charge for this service should you decide not to proceed with our recommendations, unless otherwise agreed with you at outset. 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. When you choose to appoint Pension Income Planning Ltd to act for you, our client agreement shows the process we will go through to ensure we deliver a professional, compliant and valuable service. We research the current position and consider your views to formulate our recommendations accordingly. If you were introduced to Pension Income Planning Ltd (PIP) by your own trusted adviser, we will work in partnership with your adviser. Pension Income Planning Ltd will carry out an independent analysis on the Safeguarded Defined Benefit scheme and will advise accordingly. All advice given in relation to a Safeguarded Defined Benefit scheme can only be provided by Pension Income Planning Ltd as the Pension Transfer Specialists (PTS) and only the recorded and written advice provided by Pension Income Planning Ltd directly should be considered when making any decision regarding safeguarded benefits. Your introducing adviser has agreed not to provide advice in this area. If your intention is to transfer any future value back to your own adviser for the on-going service, Pension Income Planning Ltd are comfortable with this action. We do not have that prior relationship with you, however we have explained that we can offer an on-going service on a limited basis and restricted to any funds transferred. Any appropriate recommendation will be based on a fund selection that Pension Income Planning Ltd believe are appropriate to provide the returns required to achieve your goals, after contract charges and in line with your attitude to risk. The investment strategy will have been agreed by you with your introducing adviser. We will have taken account the proposed destination of any transferred funds if the advice is for the transfer to proceed (COBS 19.1.2BR). This includes both the proposed scheme and the proposed investment. There are, of course, many other fund options available, some will perform better and some not so well as any portfolio we may have recommended. Your own introducing adviser will have a responsibility to ensure that any alternative funds recommended should be suitable and have the potential to provide returns on a par with the long-term needs highlighted in the recommendation report.
