Costs and benefits of our service

Nevertheless, it is usually possible for some of the initial costs involved in the advice process to be covered through commission generated from products arranged.

This does not really cover the cost of ongoing financial planning advice and we are happy to provide additional services using a time-based fee structure. Many of our clients wish, however, to secure our services on a more structured long-term basis.

We therefore offer a Client Service Agreement fee-based service that includes all the normal range of advice plus the following:

• Research Independent schools and fees
• Projecting school fee data (including inflation)
• School Fees Shortfall analysis
• Determine available finance now & in the future
• Management of the SFIA School Fees Plan

• Liaison with product providers & Mortgage specialists
• Completing ongoing appropriate paperwork
• Reviewing goals, objectives and priorities
• Annual valuations and update policy schedules
• Access to client portfolio via the Internet

• Review Important time horizons
• Researching financial markets (ongoing)
• Switching and encashment of investments
• Unlimited telephone support from an IFA
• Ongoing “Discretionary” review of plans
• Policy cost review

• Debt management analysis
• Asset Allocation, Risk Review & Realignment
• Establishing investment benchmarks
• Monitoring performance against benchmarks
• Rebalancing portfolios as required
• Strategic and tactical asset allocation
• Retirement planning analysis
• Savings & Investment Portfolio Management
• Establish and explain attitude to financial risk
• Income and expenditure analysis
• Income protection analysis
• Ascertaining goals and objectives
• Asset and liability analysis

• Maximising tax efficiency
• Capital gains & Income tax implications
• Wills, trusts and estate planning considerations

• Checks to ensure protection of identity (fraud)
• Liaison with compliance professionals
• Customer identity checks

For details of our fees and services, please contact us.