Initial Financial Advice Review

Published / Last Updated on 15/05/2017

Initial Financial ReviewStage 1 - Initial (i.e. your first) Financial Review: Focused on Insurance, Pensions and Investments
(you may prefer the Complete Holistic Blueprint Review if your financial/tax position is more complex)

As these are your first dealings with us, we conduct an initial review before both you and we agree whether to move to an ongoing Money MOT service or not after the initial review is complete.

In the initial financial review, we will research and report on your current insurance, pensions and investment portfolio to include:  This can be focused to keep costs down e.g. Pensions Review Only with Target Retirement Funding

  • A full review of premiums you pay/have paid
  • The charges
  • Penalties
  • Investments returns
  • Current values
  • Future projected values
  • The funds you are invested in and all other available funds to you
  • Our analysis and recommendations for funds and whether to switch to other funds in the same plan
  • Whether you should keep or transfer to another plan for lower charges, more flexibility or funds and performance
  • Any tax issues
  • Cancel any hidden commissions/adviser fees deducted from your plan and paid to previous advisers to enhance your policy
  • Taking into account your views, your current position and future 'life' plans, your investment experience, your desire for complex or simple policies and the current economic climate.
  • We will arrange and handle any/all fund switch instructions. 
  • We will explain in plain English: "The Good, The Bad and The Ugly" of your position.

Our fees are based upon the number of policies/plans/funds that we review

OUR FEES

Non Face to Face Fee

Non Face to Face Fee

Face To Face Fee

Face To Face Fee

No. Policies/ Plans/Funds

(paid up front)

(paid on completion)

(paid up front)

(paid on completion)

1

£450

£510

£540

£600

Up to 3

£600

£680

£720

£800

Up to 6

£900

£1,020

£1,080

£1,200

Up to 9

£1,200

£1,360

£1,440

£1,600

10+

£1,600

£1,700

£1,800

£2,000

 

Saving you 25%

Saving you 15%

Saving you 10%

 

 This is a one fee.  VAT free.

CANCEL HIDDEN COMMISSIONS: TO MAKE SURE YOU RECEIVE THE MAXIMUM MANAGEMENT CHARGE DISCOUNT/POLICY ENHANCEMENT FROM PENSION/INVESTMENT/INSURANCE COMPANIES WE WILL ALSO WHERE APPLICABLE CANCEL ANY HIDDEN COMMISSIONS OR REGULAR TRAIL PAID TO PREVIOUS ADVISERS.  OVER A PERIOD THIS MAY SAVE YOU MANY HUNDREDS/THOUSANDS OF POUNDS IN ADDITIONAL CHARGES THAT WOULD HAVE BEEN PAID TO A PRIOR ADVISER. 

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Stage 2 - Select Ongoing Review/Advice Service - Money MOT Platinum, Gold, Silver or Bronze:  (to be discussed when works are complete – it may be that after works are complete no ongoing advice service is required)

Our Initial Review Service

Pension Performance


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