Our service is initially one of guidance and ensuring that a client understands their options depending on their circumstances. Sometimes all that is needed is a little push in the right direction. However, where a client is deemed to be a “self-funder” we use our expertise as financial advisers to provide a concise and detailed report on the funding options available to you. The details of the service is outlined below.
We pride ourselves on being fully independent advisers, giving you the confidence that the whole of the market is researched before any necessary recommendations might be made.
Our service involves simple steps to provide each client with the assistance they need:
This can be held at our office or a location of your choice and is provided entirely at our expense. We discuss your particular circumstances and take time to understand how much help you may require. Simple guidance may be given here if that is all that is needed. Should any formal planning be needed we will disclose any potential fees and give you time to decide whether to instruct us.
Fact Find and Comprehensive Report
We will take full details of your financial situation, state of health, assets and income in order to compile a comprehensive report which will include the following:
• Calculation of the income shortfall and details of state benefits that may have been over-looked.
• Information on the importance of Wills, Power of Attorney and any potential Inheritance Tax Liability.
• Whole of Market Research and comparison of the possible funding solutions open to you (cash vs investments vs annuities).
• A full recommendation, where appropriate, as to the most suitable funding strategy and details of any costs.
Implementation and On-going Advice
Should an investment be part of the funding solution, we will provide on-going monitoring, regular valuations with face-to-face reviews.