Gold Money MOT Financial Review Service
Published / Last Updated on 07/07/2025
GOLD SERVICE - Tailored Ongoing Regular Financial Advice Reviews
After any initial advice/review has been completed, an ongoing advice service may be suitable. Gold is ideal for those who require a tailored approach to their independent financial advice with annual reviews.
Gold Review Service is our most popular service of all. Gold Service means that we will review the investments made on our advice at intervals of twelve months and on a date agreed with you.
What is included in your Gold Service?
- Records - We maintain a full and complete financial services file throughout the year
- Deal with Companies - We deal with any queries from insurance, investment or pension companies throughout the year
- Deal with Authorities - We deal with tax authorities when and where required throughout the year
- Monitor Investments - We monitor any changes in investment markets throughout the year and notify you if we believe action is needed
- Monitor Law and Tax - We monitor any changes in law and taxation throughout the year and notify you if we believe action is needed
- Review - We review your investments made on our advice once a year
- Advice - We give ongoing advice and make changes to your portfolio where needed once a year *
- Telephone - We offer you unlimited telephone contact - you can telephone us at any time with no extra cost without worrying about huge additional charges
- Report - We give you a written report once a year on your portfolio and the markets explaining all those statements in plain English, removing all the jargon so that you understand what you have
- Valuation - We give you a full written report including valuation of transactions made on our advice once a year and an overview of the performance and investment returns
- Meetings - We have a meeting with you face to face or a remote consultation to discuss ongoing changes once a year. Additional meetings or full remote consultations with an adviser are chargeable
- Full website access to the subscription/client/member only pages of at no extra charge
- Newsletters - We issue our informative, regular newsletters both by email and by post at no extra cost
* Fund Switching: the annual Gold Service includes:
1 X transaction of fund switches per policy/plan included within the Gold service as per any fund switch/change recommendations made in the annual report. This can be
- 1 transaction of fund switch instructions per policy/plan (this does not include reversing these switches back later in the same service year) or
- Up to 4 X drip feed switches over 4 quarters if you prefer to spread the switches over a year (this does not include reversing these switches back later in the same service year).
Additional switches into or out of funds are chargeable given the calculations, implementation actions, unit statement and document checking involved. You can make additional fund switches outside the Gold Service direct with the policy provider at no charge from us.
See additional fees: Fund Switching
* Full or Partial Encashment/Withdrawals: the annual Gold Service includes:
- Investment Withdrawals: 1 X transaction for full or partial encashment per investment per year to include chargeable gains calculations for tax liabilities payable (if any) supplied by the investment provider.
- Flexible Drawdown Pension Withdrawals: 1 X Ad Hoc withdrawal per flexible drawdown scheme per year and help with dealing with HMRC to reclaim any over paid taxes that were withheld (if any).
Additional full, partial, or ad hoc withdrawals or encashments are chargeable given the calculations, implementation actions, unit statement and document checking involved. You can make additional withdrawals/encashments direct with the policy provider at no charge from us.
See additional fees: Fund Withdrawals
Who should consider the Gold Service?
- Every person, family or organisation should have a review of their financial position at least once a year.
Gold ‘Money MOT’ Service Fees:
Money MOT: Fees Shop: Money MOT Video: Money MOT Review Articles: Money MOT
Our fees are based upon the number of policies/plans/funds we review for you. We believe you should control and have the choice of how all advice including any future money ‘MOT’ advice service be delivered to you and at what cost. As well as selecting whether you prefer Bronze, Silver, Gold or Platinum service we also give you additional pricing options to get the best value service for your money. There are 4 pricing options, allowing you to save up to 25%.
