Platinum Quarterly Review Service

GOLD SERVICE - Tailored Ongoing ANNUAL Financial Advice Reviews

Details for New Clients and/or Renewal Details for Existing Gold Service Clients.

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.

• Download Money MOT Brochure

What Do I Get For My Money? Read/See

• Sample Gold Service Review Report

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

* 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 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%.

PAY MONTHLY? 

• By default, paid up front is the cheapest option but paying by monthly standing order is the same fee if you prefer to select this option and spread the cost.  Account details are provided within quote process.

Pricing / Purchase Options

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

Details for New Clients and/or Renewal Details for Existing Silver Service Clients.

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.

• Download Money MOT Brochure

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.
  

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.

PAY MONTHLY? 

• By default, paid up front is the cheapest option but you can opt for monthly standing order if you prefer to spread the cost.  Account details are provided within quote process.

Pricing / Purchase Options

MID-TERM 'ADDITIONAL' FUNDS REVIEW

This service is for existing Gold and Platinum Money MOT Service clients only that want an additional 'mid-term' review before their next main quarterly or yearly review is due.

• Download Money MOT Brochure

Economies, politics and markets can change significantly in days.  We only have to look at Brexit or in 2020, the coronavirus to understand how the World and markets change very quickly.  This affect market exposure for our investments in a matter of days and weeks with extreme volatility.

What Should I Do?  If you wish to switch or have a mid-term review of funds invested in:

• For Gold and Platinum clients who do not want mid-term advice, we will action your specific switch instructions at no charge - simply email us with your specific instructions and we will action them.
• For Platinum clients it may make sense to wait until your next quarterly review and we will discuss and then recommend/action any fund switches.  This may not be feasible for a Gold client if you have a few months before your next yearly review is due.
• For Gold and Platinum clients who do not want to wait until the next review and still want mid-term advice on which funds to switch to/from, there is a charge per policy (in a similar way to Gold and Platinum service fees).

CHECK YOUR LAST REVIEW REPORT:  To see what funds we recommended to you so that you know what you are in or what you decided to postpone investing in.

Still want Mid-term advice?

• Platinum clients: no charge if we bring forward your next quarterly review - contact us. 
• Platinum clients: who want a mid-term review in addition to all four quarterly reviews  - there is a charge, get a quote below.
• Gold clients: who want a mid-term review in addition to the yearly review  - there is a charge, get a quote below.
• Silver and Bronze clients: do not use this service - you will need a full initial review.

What is included?

• Records - We maintain a full and complete financial services file
• Review Investment Funds - We monitor changes in investment markets and notify you if we believe action is needed
• Review Law and Tax - We monitor changes in law and taxation and notify you if we believe action is needed
• Advice - We give advice and suggest changes to your portfolio where needed
• Report - We give you a short, written report with valuations and portfolio recommendations
• 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

Mid-Term ‘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.  There are four pricing options, allowing you to save up to 25%.

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.

• Download Money MOT Brochure

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

Additional switch works into or out of different funds are chargeable given the calculations, implementation actions, unit statement and document checking involved.  

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).
• You can make additional fund switches outside the Gold Service direct with the policy provider at no charge from us. 

Please select the additional fund switch service you require (over and above the Gold Service offering above)

• 1 X Single Switch Transaction event (this can be multiple funds within the same policy, but all done at the same time) and add the number of policies/plans you want to have an additional switch/transaction event or 
• 4 X 'Drip Feed' Switch Transaction events (this can be multiple funds within the same policy, but all done at the same time and in the same proportions for each quarter) and add the number of policies/plans you want to have additional switch/transaction drip feed events.

Pricing / Purchase Options

Additional full, partial, or ad hoc withdrawals or encashments are chargeable given the calculations, implementation actions, unit statement and document checking involved.

The annual Gold Service includes: 

• Investment Withdrawals: 1 X transaction for full or partial encashment per investment included in the service 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 pension scheme included in the service and help with dealing with HMRC to reclaim any over paid taxes that were withheld (if any).
• You can make additional withdrawals/encashments direct with the policy provider at no charge from us. 

Please select the additional fund withdrawal services you require (over and above the Gold Service offering above)

• Include the name(s) of the investment and/or pension providers and
• The number of investment and/or pension schemes you require withdrawals from.

Pricing / Purchase Options