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Financial Advisers historically have been a conduit for, and recommended products from, large insurance companies and insurance companies who have had the necessary size and resources to design and market these products. We have decided to redress this by moving towards Financial Planning rather than the way planning used to be.

• Published: 16/11/2011
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• Downloads: 74

We adopt a Core Solutions approach to the investment of our clients’ monies and have utilised both internal and independent expertise to select those solutions that meet very clear client objectives within an individual investment risk profile. Our selected Core Solutions combine the power of risk profiling, modern portfolio theory and the investment expertise of leading global investment teams.

• Published: 16/11/2011
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• Downloads: 70

The purpose of this guide is to provide you with a detailed view of the company and the nature of the service we will provide for you.

• Published: 16/11/2011
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• 191.60KB
• Downloads: 76

This document introduces our practice and details the way in which we work with other professional firms. There is restricted access to this material, so you need to request the material before we can provide it to you.

• Published: 16/11/2011
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• 212.15KB
• Downloads: 7

This chart illustrates how the average person’s finances follow a typical pattern through various phases of their life.

• Published: 16/11/2011
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• 1.66MB
• Downloads: 68

This is a sample cashflow spreadsheet illustrating a client’s long-term financial plan.

• Published: 16/11/2011
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• 170.54KB
• Downloads: 32

This is a sample snapshot comparing a client’s target retirement income to that likely to be produced by their existing arrangements, illustrating any potential shortfall.

• Published: 16/11/2011
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• 457.75KB
• Downloads: 12

This is a sample report detailing a client’s investment portfolio.

• Published: 16/11/2011
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• 54.84KB
• Downloads: 17

This document outlines our fee structure.

• Published: 16/11/2011
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• 74.44KB
• Downloads: 33

This is a sample letter of engagement outlining our relationship with a client, including our services and charges.

• Published: 16/11/2011
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• 166.94KB
• Downloads: 19

Many financial decisions are made in situations of uncertainty, and so risk is involved. Different people are comfortable with different levels of risk. Unlike, say, height or weight, there is no unit of measurement for risk tolerance. A person’s risk tolerance can only be measured relative to others on a constructed scale, in much the same way as IQ is measured.

• Published: 16/11/2011
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• Downloads: 16

This is a template letter of authority which we use to obtain our clients’ existing policy details.

• Published: 16/11/2011
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• 43.24KB
• Downloads: 13

This is a copy of the Westminster due diligence report. There is restricted access to this material, so you need to request the material before we can provide it to you.

• Published: 16/11/2011
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Beginning in 2012, the government will be implementing workplace pension reforms that impose new duties on employers to make mandatory pension provision for their employees. At the core of these reforms is a new requirement for employers to include certain employees (known as eligible jobholders) in a pension scheme automatically (known as auto-enrolment) within a strict timescale.

• Published: 16/11/2011
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• Downloads: 16

A Loan Trust allows an individual to reduce their Inheritance Tax (IHT) liability without giving up access to capital. It involves an individual establishing a trust and loaning the trustees a sum of money.

• Published: 16/11/2011
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• 172.50KB
• Downloads: 10

A Discounted Gift Trust (DGT) allows an individual to reduce their Inheritance Tax (IHT) liability by gifting a capital lump sum into a trust while at the same time continuing to receive fixed withdrawals from this capital throughout their lifetime.

• Published: 16/11/2011
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Inheritance tax, or IHT as it is commonly known, is payable on everything of value at the time of death, including property, savings and investments, jewellery, etc. IHT is usually payable on death; however in some circumstances (if assets are held in certain types of trust, for example) IHT becomes payable earlier.

• Published: 16/11/2011
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• 166.84KB
• Downloads: 14

A Qualifying Recognised Overseas Pension Scheme (QROPS) is a pension scheme set up outside of the UK that meets certain requirements in order that it can be recognised by HM Revenue and Customs (HMRC).

• Published: 16/11/2011
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• 168.38KB
• Downloads: 20