Our Advice Process

Our Advice Process

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Step 1

Understanding you

By gathering information from you we will find out about any plans you already have in place. Then by exploring your attitude to risk and return, and your hopes and aspirations, we will build a picture of what you want to achieve. At this stage you will find out what to expect from us and how you may benefit from using us. We do not usually charge a fee for this stage of our process.

Step 2

Planning

We’ll explore and research various scenarios to make the best use of your existing plans. If your existing plans are good we will tell you why, to give you peace of mind. If we believe they are not so good we make recommendations as to how we believe they can be improved. Within our Advice and Recommendations, which will be sent to you in writing to consider in your own time in your own home,  we will detail all of the costs of following our advice.

Step 3

Implementation*

If you choose to follow our advice we will do the necessary work and any fees applicable, as detailed within your advice and recommendations will apply. Our fees can be deducted from your pension fund or you can pay them directly. The choice is yours.

If you choose not to follow our advice there are no charges.

*If you have asked us to advise you about a  Final Salary/Occupational/Defined Benefit  Pension we may charge you a fee for this advice irrespective of the outcome. If in doubt please ask.  

Step 4

Review

Nothing stands still, so it makes sense to review your plans regularly. We suggest you do this at least annually. This way you will find out if your plans are affected by changes to your circumstances, attitude to investment risk,  legislation or taxation. You will also hear from us if we have something that we feel may be of interest you.