CHOICE AND SIMPLICITY

BUILDING CHOICE AND SIMPLICITY INTO YOUR SERVICE

You are empowered to personalise your service according to your needs

and values.

You are in control of the service you receive and how much you pay for it.

The less you need us to do, the less you pay.

A SERVICE AS UNIQUE AS YOU ARE

If you want to meet once a year via video conference, why should you pay the same as someone who needs four face-to-face meetings a year?

If you value simplicity and efficiency, why should you pay for an “all-you-can-eat” service that encourages complexity?

Therefore, we allow you to build a bespoke service proposition that's perfect for you, comprising only those features that you get value from.

In addition, you can amend your choices each year, flexing the service you receive and the fees you pay to suit your changing needs.

We'll guide you, but it's your decision. It's your choice. You are empowered.

EXAMPLES OF ADD ON CHOICES

MEETING FREQUENCY

All our clients have annual planning meetings as standard, but you might prefer to build more frequent meetings into your service. Ad hoc meetings can be incorporated too.

MEETING LOCATION

Meetings are held via video conference to save on travel costs, but if you value meeting in person you can choose to have face-to-face meetings.

MEETINGS WITH OTHER PROFESSIONALS

We are very happy to meet with your accountant, solicitor or any other professional adviser if this would be of value to you.

CASHFLOW PLANNING SESSIONS

Some of our clients derive significant peace of mind from looking at their financial position on screen with us and comparing “what if?” scenarios in an interactive session.

EXAMPLES OF FEE SAVING SIMPLIFICATIONS

COMPLEXITY OF FINANCES

The more different pots of money that you would like us advise on and administer, the more you’ll pay. So, if we can help you to simplify and consolidate, your fees will fall.

AUTOMATION OF TRANSACTIONS

If you set up regular investments or withdrawals via a monthly direct debit, it is easier for us to administer your portfolio than if you add or withdraw occasional lump sums.

DIVISION OF RESPONSIBILITIES

There may well be areas where it makes logical sense for you to take ownership of certain tasks.

For example, it might be much more efficient for you to organise transactions on your work pension through your employer's portal rather than paying us to do it.

The value of your investments can go down as well as up, so you could get back less

than you invested.

Tax and Estate planning is not regulated by the Financial Conduct Authority.