Scope of Advice. In the vast majority of cases, the information that we will provide you with will not constitute a personal recommendation (as defined under Applicable Regulations). On the rare occasions where we do provide you with a personal recommendation then it will be provided under the terms of a separate agreement pursuant to which, having regard to your categorisation as a Professional Client, we will assume that (a) you have the necessary level of knowledge and experience to understand the risks involved in relation to the relevant products, services or transactions; (b) you are able financially to bear any related investment risks consistent with your investment objectives; and (c) your investment objectives are consistent with the products, services and transactions that we specifically offer as detailed to you previously.
Scope of Advice. 3.1 We provide comprehensive financial planning advice and specialist advisory services for charities, trusts and individuals. We are authorised by the FCA to provide advice on pensions, pension transfers, unit/investment trusts, quoted and unquoted securities as well as investment linked and non- investment linked insurance contracts for life, disability and critical illness.
3.2 We offer advice on products from the whole market, subject to the restriction noted in 1.2 above.
3.3 We will advise and make recommendations for you after we have assessed your needs and current financial position. We will then negotiate and liaise with the appropriate parties and help you to implement the agreed recommendations, as appropriate.
3.4 We will review annually, or more frequently if agreed, the investments made on our advice, normally from the anniversary of your first investment, by writing to you with a statement of their current value and our recommendations for any changes and/or meeting you to discuss their values and our recommendations. Ongoing reviews are provided only while payment of the fees for such services is made when due.
Scope of Advice. We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. For second charges or consumer buy to let mortgages, we offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. We offer the following alternative finance options: A further advance from an existing lender A second charge mortgage Consumer buy to let A re-mortgage Bridging Finance We do not offer the following finance options: An unsecured loan. We would normally be paid a procuration fee by the lender of up to 0.5% for mortgages and consumer buy to let mortgages. For example, for a mortgage of £100,000 we would receive a fee of up to £500. For mortgages and consumer buy to let mortgages up to and including £150,000 we also charge a flat fee of £250 to research the market and advise you on the most appropriate loan for your needs. The £250 is payable upfront and is only refundable if we cannot find a lender to place the mortgage with. For a second charge mortgage we will be paid a procuration fee by the lender. You may request an illustration from your adviser whenever our firm provides you with information, specific to the amount you want to borrow, following assessment of your needs and circumstances. You will receive a key facts illustration when considering a particular mortgage which will tell you about any fees relating to it.
Scope of Advice. We offer products from a range of insurers on the basis of a fair analysis of the market for example for Term Assurance, Critical Illness and Permanent Health Insurance.
Scope of Advice. The scope of advice covers the extent to which we extend our research when we are reviewing products to meet your needs. Our scope of advice is shown below and on the next page: Investments and Pensions - We offer a restricted whole of market advice service. As part of our restriction we have taken the decision not to advise on certain types of investments such as unregulated collectives, split capital trusts, endowments, exchange traded commodities, alternative investment markets and venture capital trusts as we have evaluated that these investments are seldom suitable for our clients. For the products that we include in our advice offering, we operate a centralised research process which results in the establishment of a menu of preferred suppliers that our advice team use to fulfil our clients needs. Currently we use Standard Life as our preferred provider for investment wrappers via their Wrap administration platform, Scottish Widows as our preferred provider of Group Pension solutions and The Xxxxxxx investment solution as our preferred approach to deliver our clients investment strategies. These providers are reviewed regularly as part of our centralised research process and by our investment committee. Should your circumstances indicate that these providers are not appropriate our advisers are able to research the market place to meet your needs. Non-investment protection contracts - we offer non investment protection products e.g. term assurance, income protection and critical illness from a range of insurers. Insurance – We offer advice from a range of insurers.
Scope of Advice
