SERVICES
INITIAL WORK & ONGOING ADVICE
In summary, we ensure that the right ingredients, are used by the right people, using the right tools, in the right order, at the right time, to obtain the best chance of the right outcome and furthermore, we indemnify the whole process.
Once we have established your circumstances and needs, we will agree client terms with you at our first meeting. With your permission, we will then proceed with our work on your behalf;
We will ask for your authority to allow us GDPR access to your old policies. We contact your existing pension and investment providers where applicable to obtain policy details and regulatory standard figures.
We provide comparisons of your old plans with the latest available contracts to see if they remain competitively priced and ensure your performance is satisfactory. We cross-check scheme rules to ensure they match your needs, we measure your declared risk appetite and select appropriate portfolio solutions for your goals and income needs
All manner of ingredients come into the initial tranche of work, be it your family position, your age, health, ethical wishes. This work may take between 1 and 6 months to complete (depending on your current providers' service levels). If you have no current provider and hold only cash deposits ready for investment, the turnaround time would be 3 weeks.
By default, we explore the cheapest options for you as priority and the dearest last. There is a moral obligation amongst our work which is taken seriously.
Once we have positioned your old policies to suit your objectives, we can move on to ongoing services to step 6 of the process; to effectively monitor ongoing progress & review.
All of our clients benefit from long term portfolio management. They don't need to worry whether their allowances are being used, or switches that need to be considered. That work is covered by the ongoing fees as no extra charges apply.
Withdrawals: You may wish income or capital to be phased, lump sums withdrawn as one whole, staggered, mixtures or a simple, regular income. Whichever you require, we choose the correct unit type to surrender, what proportion and sell those units to realise the cash for BACS payment to your bank with any tax consequences in mind.
Defined Benefit pension work - These contracts are often referred to as 'Gold Plated' and contain safeguarded benefits. We are able to offer a fixed fee service to breakdown the benefits and disadvantages of your scheme pension for you, so you can plan and protect your family's future accordingly See our Fees page for prices.