The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change.
The Financial Conduct Authority does not regulate on Estate Planning.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Who are your typical clients?
We are mainly focused on providing financial advice services to members of the contracting and freelance community. As our business is specifically aligned to helping this type of individual, we believe that we have an acute understanding of the more complex nature of their financial affairs and tax arrangements.
We work exclusively via referrals from affiliated contractor service companies and other companies within the CMME Group Ltd that offer mortgage and protection product advice, as well as from existing satisfied clients.
What are the benefits are of using a Financial Consultant?
A Financial Consultant will take the time to discuss all relevant aspects of your financial position and help you to understand what changes can be made which will help you to work towards achieving your personal financial goals. In addition, they can ascertain your individual approach to investment risk and tailor an investment around this which will make as much use of available tax efficient options as possible.
After you’ve made your investment decisions, a Consultant will help you to monitor the progress towards your goals over time and provide guidance on how to make changes that will help to optimise them.
Why should I pay for professional Financial Advice?
You have the option of making your own investment and retirement planning arrangements, but consider what you do when you have a problem with your car. Unless you are familiar with the intricacies of vehicle maintenance, it’s likely that you would employ the services of a trained mechanic who would have the expertise to review the situation, locate the root source of the problem and source the appropriate parts to resolve it.
The process of Financial Planning has much in common with this, which means that engaging with a professional Consultant will help you to identify the particular areas of your financial affairs that require attention and then help you to focus on solutions that could help you to work towards meeting your personal goals; in addition, they can provide valuable guidance on the specific products and investment options that meet your needs.
With the landscape of financial planning ever evolving, as the government makes changes to legislation and new innovative products are launched, a Financial Consultant can help you to adapt your investment strategy accordingly over time.
How much do you charge?
Following the introduction of the Retail Distribution Review (RDR) in January 2013, legislation dictates that all remuneration for financial advice must be taken as a fee, rather than as commission wrapped up within the product costs; this has benefited consumers by ensuring that the advice costs are clearly explained and easy to understand.
The level of the fee you will pay is ultimately dependent upon the complexity of the advice you need. Following our no obligation initial consultation we will send you our disclosure documents which outline our fee structure.
We will ensure that you fully understand the fees that you will be expected to pay before entering into chargeable work and will ask you to sign a Financial Planning Engagement Letter to confirm your agreement to them, before proceeding with further work.
You will have the option to pay the fees either as a deduction from the contributions you make into your investment or as a separate payment by invoice.
What sort of financial advice do you offer?
We are qualified to offer advice relating to pensions, investments and inheritance tax planning; further information relating to these can be found within the dedicated pages on this website.
In addition, our sister companies within the CMME Group Ltd are able to assist in areas of mortgages and protection.
What is your process?
We carry out a five step process which can be completed entirely in four pre-arranged meetings and via email and postal correspondence.
How long does your process take?
We aim to take all clients through the advice process as quickly as possible, however there are no set time frames as we believe that it is imperative that you are treated as an individual and that enough time is taken to ensure that you receive advice that is specifically tailored to you.
Where you have existing pension or investment arrangements in place, it is likely that we will need to gather information relating to these before providing recommendations; this information can take some time to obtain due to reliance on the cooperation of third parties to provide it in a timely manner.
In cases where there is a degree of urgency, we will endeavour to accommodate your needs, but can offer no guarantees that we will be able to meet a specific deadline due to possible delays caused by external parties.
Can we arrange a face to face meeting?
Our business has been established around the concept of offering advice on a remote basis over the telephone and via e-mail and postal correspondence. Whilst we are happy to accommodate a client that wishes to conduct a relationship on a face to face basis, it is only possible to hold this in our offices in Alton, Hampshire.
We appreciate that this arrangement may not be to everybody’s satisfaction, however, the established method of telephone meetings allows us to provide optimal service to more clients than if we were spending time traveling from place to place and means that we can truly fit around your busy day to day schedule.
What type of advice do you provide?
We offer a restricted advice service, assisted by our investment partnership Quilter Financial Services Limited, which provides research and compliance monitoring services and a panel of ‘best of breed’ products and investment funds to offer our clients. There a range of options available which are designed to satisfy all levels of risk.
This approach is appropriate for the vast majority of clients, however, if we are unable to pinpoint a suitable investment solution from within the Quilter Financial Services Panel, then we can research alternative options from the wider investment marketplace.
I am an ethical investor and or have religious beliefs – can you help me?
Yes. We will do our best to accommodate all special investment requests that we receive from our clients. There are currently no ethical or religious investment options on the Quilter Financial Services Panel, however we will be able to source a suitable fund from the wider market.