Mid-Term Funds Review

PLATINUM SERVICE - Tailored Ongoing QUARTERLY Financial Advice Reviews

After any initial advice/review has been completed, an ongoing advice service may be suitable.  Platinum is ideal for those who require a tailored approach to their independent financial advice with quarterly reviews.

What is included in the Platinum Review 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 changes in investment markets throughout the year and notify you if we believe action is needed
• Monitor Law and Tax - We monitor 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 every 3 months
• Advice - We give ongoing advice and make changes to your portfolio where needed at intervals to suit you
• 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 on your portfolio and the markets explaining all those statements in plain English, removing all the jargon so that you understand what you have at intervals to suit you 
• Valuation - We give you a full written report including valuation of transactions made on our advice and an overview of the performance and investment returns at intervals to suit you
• Meetings - We have meetings with you face to face or a remote consultation to discuss ongoing changes at intervals to suit you
• Full website access to the subscription/client/member only pages at no extra charge
• Newsletters - We issue our informative, regular newsletters both by email and by post at no extra cost
• Mid term fund switch advice on 'Traffic Light' Investment Alerts included

Who should consider Platinum Service?

• Any person, family or organisation who has total pension funds and investments, excluding their main residential home, worth more than £100,000 (it can be lower if you wish)
• Any person who has a total income in excess of £50,000 should consider Platinum service
• Any person, family or organisation who has more complex financial planning needs such as complex taxation matters, owns a number of properties, has trusts or has International needs, should consider Platinum service.

Platinum ‘Money MOT’ Service Fees:  

Fees are based upon the number of policies/plans/funds that we review.  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 four pricing options, allowing you to save up to 25%.

Pricing / Purchase Options

GOLD SERVICE - Tailored Ongoing ANNUAL 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 on a date agreed with you.  

What is included?

• 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 changes in investment markets throughout the year and notify you if we believe action is needed
• Monitor Law and Tax - We monitor 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

Who should consider 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:  

Our fees are based upon the number of policies/plans/funds that we review.  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 four pricing options, allowing you to save up to 25%.

Pricing / Purchase Options

SILVER SERVICE - This is our Low Cost, Full Website Access Service 

SILVER is ideal for those who do not require a full yearly review of their financial, taxation, pension and investment position but want full access to our website, weekly updates, newsletters, investment alerts and 2 x consultations a year.

Who should consider Silver Service?

• You prefer to self manage your portfolio, control your costs and only pay for advice when you really need it
• You like the idea of having highly qualified Chartered Financial Planner/IFA personal guidance sessions to make sure you're not missing anything
• You want to receive our regular newsletters and emails
• You want full access to our website, tools, calculators, videos and more

What is included in Silver?

• Weekly email news and updates
• Quarterly Newsletters - we issue informative, regular newsletters every 3 months
  
• Unrestricted Website access to 9,000+ pages of tools, calculators, videos, news and articles on money
  
• Traffic Light Investment Alerts (red/amber/green) - when we are positive and negative about different markets, never forget 'buy low/sell high'
• 2 X Telephone Consultations per year, each 30 mins duration with an award winning Chartered Financial Planner and IFA.  Worth between £120 and £240 based upon hourly rates.
  

JUST £10pm or save 50%, pay £60 yearly fee (incl.  VAT).  Why such a large discount?  Because bank/card merchant charges are so high on small monthly payments.

Additional Services Available For Silver Clients

• Deal with investment, pension, insurance companies - on request, we deal with any queries from insurance, investment or pension companies throughout the year - an additional charge may be made for this service.  If you require ongoing advice you should consider Gold or Platinum service.
• Deal with authorities - on request, we deal with tax authorities when and where required throughout the year- an additional charge will be made for this service.  If you require ongoing advice you should consider Gold or Platinum service.
• Monitor investments - we monitor changes in investment markets throughout the year - this may be passed to you as part of a news email - we will only advise on request and an additional charge will be made for this service.  If you require ongoing advice you should consider Gold or Platinum service.
• Monitor law and tax - we monitor changes in law and taxation throughout the year - this may be passed to you as part of a news email - we will only advise on request and an additional charge will be made for this service.  If you require ongoing advice you should consider Gold or Platinum service.
• Review - we review your investments made on our advice only when requested by you - an additional charge will be made for this service.  If you require ongoing advice you should consider Gold or Platinum service.
• Valuation - on request, 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- an additional charge will be made for this service.  If you require ongoing advice you should consider Gold or Platinum service.
• Meetings - we offer meetings with you face to face or remote consultations to discuss ongoing changes to your portfolio - an additional charge may be made for this service .  If you require ongoing advice without further charges you should consider Gold or Platinum service.
• Report - we will prepare a full written report on your portfolio and the markets explaining all those statements in plain English, removing all the jargon so that you understand what you have when requested by you - an additional charge will be made for this service.  If you require ongoing reports without further charges you should consider Gold or Platinum service.
• Advice - we give ongoing advice and make changes to your portfolio when requested by you - an additional charge willbe made for this service.  If you require ongoing advice you should consider Gold or Platinum service.
• Telephone - you can telephone us at any time - an additional charge may be made for this service.  If you require unlimited contact without further charges you should consider Gold or Platinum service.

Pricing / Purchase Options

'AD HOC' PRODUCT ADMINISTRATION WHEN NOT USING MONEY MOT SERVICES

This service is for clients that are NOT using our ongoing, regular Gold or Platinum Money MOT Services and just want ad-hoc administration works on regulated pensions and investment schemes.

This service is for clients that do not want a regular servicing arrangement but may need ad-hoc and irregular administration for their regulated pensions and investments.  For example, needing to make withdrawals or the movement of money or funds either internally or externally.

This is a NON-ADVISED Service

• There is no regulated financial advice required or given.
• There is no review of the suitability, affordability, tax or legal implications of your instructions.
• There will be no regulated advisory recommendations included.
• This service is purely administration based upon your explicit instructions.

What is included?

• Processing your specific fund switch instructions.
• Movement of money between accounts inside the product.
• Making pension bank/fixed rate account applications.
• Setting up, changing and administering pension drawdown or investment withdrawals.
• Bed & ISA transfers for General Investment Accounts (GIA) and Individual Savings Accounts (ISAs).
• Meetings - We will have a meeting with you face to face or a remote consultation to discuss ongoing changes (depending upon fee option selected).
• Deal with Companies - We deal with any queries from insurance, investment or pension companies regarding any fund switches/changes.
• This service covers up to 4 sets of administration instructions/transactions per policy/plan per year.  E.g., You may instruct us to make 2 sets of fund switches during the year and 2 sets of fund withdrawals or ad-hoc pension income or lump sum payments during the year on the same policy.

Ad-Hoc Administration Service Fees:  

Our fees are based upon the number of policies/plans/funds that you want us to administer.  We believe you should control and have the choice of how all policy administration services be delivered to you and at what cost.  There are four pricing options, allowing you to save up to 25%.

Pricing / Purchase Options