FAQs
Is your advice independent?
Yes, an independent financial adviser can recommend solutions from the whole of the market, whereas, a ‘restricted’ adviser can only recommend from a limited selection or product range.
Do you charge a fee for meetings?
No, introductory meetings are held free of any charge. Once we can establish the breadth of advice required, I will look to agree a fixed fee for any proposed future work. All fees are agreed in advance in writing.
I’m a cautious investor, how can I be sure I’ll be comfortable with the investment risk I’m taking?
Our advice process ensures that all clients complete a risk questionnaire. Thus enabling us to recommend suitable investments which closely match your agreed attitude to risk.
I have a number of pensions from previous employers, should I consolidate them into one?
Consolidation often sounds like a sensible approach for ease of ongoing administration and having all your pensions in one place. However, there may be good reason to retain certain pensions (guaranteed levels of income, low charges, future bonuses, flexible benefits at retirement etc) so it is vital to seek detailed pension advice prior to progressing with a consolidation.
I am keen to invest in a socially responsible way. How can I ensure my investments are aligned with my principles?
Our research process looks to recommend solutions with a focus aligned to those you hold dear, whether that be climate change, fossil fuels, carbon footprint, etc.
Is inheritance tax mandatory after my death?
A previous Chancellor of the Exchequer famously quoted that inheritance tax was “a voluntary tax, only payable by those who distrust their heirs, more than they dislike the inland revenue”. While there is some truth to this, all estates above the current “nil rate band” for inheritance tax of £325,000 are subject to tax at 40%, unless steps are taken to mitigate any tax liability. Advance planning is vital for this advice area and can make a significant difference to the amount your beneficiaries inherit.
Is your advice independent?
Yes, an independent financial adviser can recommend solutions from the whole of the market, whereas, a ‘restricted’ adviser can only recommend from a limited selection or product range.
Do you charge a fee for meetings?
No, introductory meetings are held free of any charge. Once we can establish the breadth of advice required, I will look to agree a fixed fee for any proposed future work. All fees are agreed in advance in writing.
I’m a cautious investor, how can I be sure I’ll be comfortable with the investment risk I’m taking?
Our advice process ensures that all clients complete a risk questionnaire. Thus enabling us to recommend suitable investments which closely match your agreed attitude to risk.
I have a number of pensions from previous employers, should I consolidate them into one?
Consolidation often sounds like a sensible approach for ease of ongoing administration and having all your pensions in one place. However, there may be good reason to retain certain pensions (low charges, future bonuses, flexible benefits at retirement etc) so it is vital to seek detailed pension advice prior to progressing with a consolidation.
I am keen to invest in a socially responsible way. How can I ensure my investments are aligned with my principles?
Our research process looks to recommend solutions with a focus aligned to those you hold dear, whether that be climate change, fossil fuels, carbon footprint, etc.
Is inheritance tax mandatory after my death?
A previous Chancellor of the Exchequer famously quoted that inheritance tax was “a voluntary tax, only payable by those who distrust their heirs, more than they dislike the inland revenue”. While there is some truth to this, all estates above the current “nil rate band” for inheritance tax of £325,000 are subject to tax at 40%, unless steps are taken to mitigate any tax liability. Advance planning is vital for this advice area and can make a significant difference to the amount your beneficiaries inherit.