Investment Objectives & Restrictions. In order to provide you with personal financial advice and recommendations suitable to your particular circumstances, we will undertake a ‘fact find’ to gather the appropriate information to assess your needs. We will then be able to set out clearly your financial planning objectives based on your stated objectives, acceptable level of risk and any restrictions you may wish to place on the type of policies you are willing to consider. Details of your stated objectives will be set out in a Suitability Report we will issue to you to confirm our recommendation. Unless confirmed in writing to the contrary, we will assume that you do not wish to place any restrictions on the advice we give to you. You hereby acknowledge that in the event of the firm assisting you in the completion of any investment or insurance application or policy proposal forms, you will in any event continue to bear full responsibility for the accuracy and completeness of the information entered on such forms. Therefore, you understand that inclusion of incorrect information or omission of any material facts may result in the insurance, investment or policy to which the application or proposal relates being adversely adjusted, made void and/or any claim(s) made against it being refused. The advice we give you will be based on the information you have given us and your stated investment objectives, including the degree of risk you will accept. It is your responsibility to advise us on any changes.
Investment Objectives & Restrictions. Following the issue of this document, any subsequent advice or recommendation offered to you will be based on your stated investment objectives, acceptable level of risk and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be identified during our discussions with you and confirmed in the suitability report that we will issue to you to confirm our recommendation. Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you. BEST EXECUTION POLICY It is in the interests of our clients and Sterling Independent Advisers LLP that we obtain the best possible result when placing orders with other firms (e.g. third party brokers) for the execution of client orders or when transmitting orders on behalf of clients for particular investments – e.g. shares. We are required under the Rules of the Financial Services Authority to take all reasonable steps to provide ‘best execution’ when carrying out such transactions. Where we place or transmit orders for such investments on behalf of our clients, we may utilise the services of a third party broker and base our decision to place or transmit an order on the price and cost of execution of the order. For orders in collective investment schemes (e.g. unit trust), however, the price of units or shares in the scheme is normally set by the scheme operator or manager and as such we have little influence over the price available. Full details of our best execution arrangements are provided in our Best Execution Policy, a copy of which can be provided on request. MODE OF COMMUNICATION We will enter into communication with you through whatever means are convenient to you and us, including face-to-face, telephone, e-mail and other acceptable electronic communication methods. WHAT TO DO IF YOU HAVE A COMPLAINT If you wish to register a complaint, please contact us: In writing: Write to Mr X Xxxxx, Xxxxxxxx Independent Advisers LLP, Xxxxxxxx House, 000 Xxxxxxxx, Xxxxx Xxxxxxxxx, Xxxxx XX0 0XX. By phone: Telephone 00000 000000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. ARE WE COVERED BY THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)? We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business a...
Investment Objectives & Restrictions. Following the issue of this document, any subsequent advice or recommendation offered to you will be based on your stated investment objectives, agreed level of risk you are prepared / able to take and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be identified during our discussions with you and confirmed within the suitability report that we will issue to you to confirm our recommendation(s). Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you. MODE OF COMMUNICATION We will enter into communication with you through whatever means are convenient to you and us, including face-to-face, telephone, e-mail and other acceptable electronic communication methods. COMPANIES ACT DISCLOSURE Cotswold Independent Financial Services Ltd registered in England, Registered No. 08423995, Registered Address: Xxxxxxx Xxxxx, 0 Xxxxxxx Xxxxxx, Xxxxxxxx, Xxxxxxxx, XX0 0XX. DATA PROTECTION STATEMENT Please refer to the separate Data Protection Statement that we have issued to you that sets out how we collect and use data about you. CLIENTS CONSENT This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read the terms carefully before signing, as by signing you consent to the terms contained within. If there are any terms within this agreement that you do not understand, please ask for further information. The Client Agreement will come into effect from the date of acceptance of this agreement, which will be confirmed by the date provided in the ‘date of signature box’ below, unless otherwise stated. Client Name(s) Client signature(s) Date of signature(s) Date of issue Ref: 371
Investment Objectives & Restrictions. Following the issue of this document, any subsequent advice or recommendation offered to you will be based on your stated investment objectives, acceptable level of risk and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be identified during our discussions with you and confirmed in the suitability report that we will issue to you to confirm our recommendation. Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you. MODE OF COMMUNICATION We will enter into communications with you through whatever means are convenient to you and us, including face-to-face, telephone, e-mail and other acceptable electronic communication methods. WHAT TO DO IF YOU HAVE A COMPLAINT If you wish to register a complaint, please contact us: In writing: Write to Xxx Xxxxxx at Xxxxxx & Company Chartered Financial Planners, 3rd Floor Xxxxxxxx House. North Road, Lancaster, LA1 1LU By Telephone: Phone Xxx Xxxxxx on 00000 00000 By Email: Email xxx@xxxxx.xx If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS). ARE WE COVERED BY THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)? We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered up to a maximum of £50,000. Insurance advice and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.
Investment Objectives & Restrictions. Following the issue of this document, any subsequent advice or recommendation offered to you will be based on your stated investment objectives, acceptable level of risk and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be identified during our discussions with you and confirmed in the suitability report that we will issue to you to confirm our recommendation. Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you. BEST EXECUTION POLICY It is in the interests of our clients and Illingworths that we obtain the best possible result when placing orders with other firms (e.g. third party brokers) for the execution of client orders or when transmitting orders on behalf of clients for particular investments – e.g. shares. We are required under the Rules of the Financial Conduct Authority to take all reasonable steps to provide ‘best execution’ when carrying out such transactions. Where we place or transmit orders for such investments on behalf of our clients, we may utilise the services of a third party broker and base our decision to place or transmit an order on the price and cost of execution of the order. For orders in collective investment schemes (e.g. unit trust), however, the price of units or shares in the scheme is normally set by the scheme operator or manager and as such we have little influence over the price available. Full details of our best execution arrangements are provided in our Best Execution Policy, a copy of which can be provided on request. MODE OF COMMUNICATION We will enter into communication with you through whatever means are convenient to you and us, including face-to-face, telephone, e-mail and other acceptable electronic communication methods. DATA PROTECTION STATEMENT The information you have provided is subject to the Data Protection Xxx 0000 (the “Act”). By signing this document you consent to us or any company associated with us, processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management. “Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the FCA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/o...
Investment Objectives & Restrictions. Following the issue of this document any subsequent advice or recommendation offered to you will be based on your stated investment objectives, agreed level of risk you are prepared / able to take and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be included in the suitability letter which we will issue to you to confirm our recommendation(s). Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you. CLIENT RISK You are advised that because investments can fall as well as rise, you may not get back the full amount invested. Past performance is not necessarily a guide to future performance. HOW WE CHARGE YOU FOR OUR SERVICES The method of paying for our services will depend on the type/level of service(s) provided. We will discuss your payment options with you and answer any questions you may have. We will agree the basis, frequency and method of any charges with you in writing before we carry out any work that you will be charged for. Details and examples of the costs of our services are included within our ‘Services and Costs Disclosure Document’. We will not charge you anything until you have agreed on how much we are to be paid. We will inform you if you have to pay VAT. FURTHER CONTACT AND ADVICE We will confirm to you in writing the basis of our service and the reasons for recommending any transactions transmitted or executed on your behalf. Where we have arranged and implemented any investment for you, we will agree an ongoing service level based on your circumstances and needs, and the level of charge you are willing to pay. If you do not agree to an ongoing service at the time of implementation, we will not monitor or review the appropriateness of the advice provided nor provide any future advice. We will of course be pleased to advise you again in the future at your request, subject to our normal fee levels applicable at that time. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. NOMINEE & SA...
