Our On-Going Service To You .

How Does Our On-Going Service work?

We offer a flexible and proactive on-going service (OGS) that ensures your financial plans are tailored to your personal circumstances and are up to date.

Whilst you do not have to have an ongoing service with us, our experience is that for most of our clients it is the effective method for ensuring that your plans remain suitable. Your circumstances and objectives may well change and progress over time. We will also need to advise you on how external factors such as changes to tax allowances and investment opportunities may affect your plans.

For ease, we have ongoing service packages available that we believe add value to our clients. These have been created by considering your needs.

What Is Included in Our OGS Reviews?

All of our scheduled on-going service reviews will include the following services:

• Annual face-to-face review meeting
• Regular statements
• Internet access to your portfolio
• Annual review letter
• Newsletter
• Risk profile review update
• Asset allocation report
• Portfolio re-construction or fund switch

How Do We Maintain and Refine Your Plans Over Time?

We keep you informed

We make sure you’re up-to-date on news that is most useful to you such as new ISA allowances.

We actively monitor your plans

We review your plans to make sure that you are still on track to meet your objectives.

We arrange check-ins

We monitor for tax and legislation changes to ensure your income and wealth are protected. We’ll update you on any impacts to you in your financial planning meeting (in person or via digital meetings), where you can share any personal changes in your objectives with us.

How Can We Add Value to You?

A few examples of how we have added value to other like-minded clients, through our previous meetings with them is by:

• Checking how any personal changes in income or capital wealth may impact their current provisions or tax situation.
• Using their existing provisions first before considering starting a new plan.
• Reassuring them that they are not taking unnecessary risk with their investments, or missing out on potential returns for the level of risk they have chosen to take.
• Explaining in simple terms how the UK Government Budget announcements impact them.
• Reminding them of their valuable allowances (such as ISAs) that they may be in danger of losing each tax year.
• Making sure they do not miss out on getting money back that might be owed, such as tax relief on pension and retirement planning.
• Rebalancing their assets so they’re always comfortable with the investment risk they are taking.
• Ensuring they do not miss out on getting a better return than they should for the level of risk they take.
• Placing their assets in the right name, ownership and tax shelter, so that they legally and ethically ensure they don’t pay too much tax during the investment journey, or when they want to spend them or pass them on.