Audit and Review Service

We find that clients accumulate policies over the years and rarely review their relevance. In many instances they have been sold something by someone whom they have never seen or heard of again and they are sceptical of financial advisers in case they are given the hard sell again.

We don’t need to sell you anything to get paid - we will agree a level of service with you and the method of payment for that service either by way of fees, commission or a combination of both.

You can select specific advice areas or have unlimited access to an adviser either by telephone, email, or face to face.

We have been in business for almost 50 years and value the relationships we have built with or clients this we feel has been sustained by changing existing and adding new services when or clients needs have demanded or current menus of services include.

1. An initial update from you our client on issues that are concerning you and requiring attention.
   
2. An update from your adviser on changes we think necessary and time frames for making these changes.
   
3. An appraisal of the last 12 months performance of existing contracts relevant to the markets they are invested in.
   
4. Reviewing any debts or mortgages and restructuring them as necessary.
   
5. Look forward and address any changes necessary within your investment strategy the possible alteration to underlying asset selection to match changing risk profile.
   
6. Review existing protection contracts, their costs and covers and alter as necessary.
   
7. Explore any opportunities and threats created by changes in taxation.
   
8. Retirement review, looking at existing plans and reviewing any threats or opportunities created by changes in pension law, the possible necessity to lower the level of investment risk nearing selected retirement date.
   
9. Inheritance tax and estate planning making sure that all is done that can be done within the HMRC’s ever changing rules to avoid this unnecessary tax.
   
10. Providing updates to your other professional advisers, for end of year taxation and any other strategic information as and when required.
    
11. Portfolio construction and management service using risk profiling methodology to design suitable asset allocation, written portfolio valuations on request.
    
12. Insurance service: we have experienced staff in our General Insurance Dept who can look after your Car, Home, and Travel, insurance requirements, we can check if your current level of cover is what you need with competitive pricing.