Description of Service Elements Telephone access to adviser Without a cash flow analysis, it is Asset Allocation Review difficult to evaluate how much life When requiring support or cover and income protection is Your valuation will be divided, guidance, you may contact us. needed to protect you and your based upon the underlying family adequately. assets and the allocation of Full Financial Planning Review these will be assessed against A complete picture of your your recorded objectives and This covers the advice process current and future planning will attitude to risk. Suggestions on detailed above. also aid tax planning. rebalancing action may be made, in accordance with the Lifetime Cash Flow Forecast In addition, cash flow analysis will service level agreed. (This service is only available to Private produce different scenarios to see Clients. However, Premier and how your finances will be Removing Hassle Personal clients can also access this affected. For example, if you are service, subject to an additional fee). ill for a few months and therefore All your financial records will be not receiving an income, a cash filtered by our client manager & Based on a number of flow analysis will evaluate organised neatly into files & assumptions, a cash flow forecast whether you have sufficient updated for review meetings. will provide graphical analysis. This savings and how this will impact will establish whether you have on your lifetime objectives. These sufficient income to maintain your scenarios will suggest whether standard of living or meet you need to save or invest larger anticipated expenditure. It will also amounts of money or if you help us to design an appropriate should lower your expectations. asset allocation for your investment portfolio. Portfolio Valuation For example, you may only require This provides a snapshot of your investment returns of 4% per year, current position of your to ensure that you achieve your investments and pensions stated goals. In reality, however, you may have a portfolio taking more risk that you require, as it has been constructed to try and achieve a return of 7% or 8% a year.
Description of Service Elements Telephone access to adviser When requiring support or guidance, you may contact us. Full Financial Planning Review This covers the advice process detailed above. Lifetime Cash Flow Forecast (This service is only available to Private Clients. However, Premier and Personal clients can also access this service, subject to an additional fee). Based on a number of assumptions, a cash flow forecast will provide graphical analysis. This will establish whether you have sufficient income to maintain your standard of living or meet anticipated expenditure. It will also help us to design an appropriate asset allocation for your investment portfolio. For example, you may only require investment returns of 4% per year, to ensure that you achieve your stated goals. In reality, however, you may have a portfolio taking more risk that you require, as it has been constructed to try and achieve a return of 7% or 8% a year. Without a cash flow analysis, it is difficult to evaluate how much life cover and income protection is needed to protect you and your family adequately. A complete picture of your current and future planning will also aid tax planning. In addition, cash flow analysis will produce different scenarios to see how your finances will be affected. For example, if you are ill for a few months and therefore not receiving an income, a cash flow analysis will evaluate whether you have sufficient savings and how this will impact on your lifetime objectives. These scenarios will suggest whether you need to save or invest larger amounts of money or if you should lower your expectations. Portfolio Valuation This provides a snapshot of your current position of your investments and pensions Asset Allocation Review Your valuation will be divided, based upon the underlying assets and the allocation of these will be assessed against your recorded objectives and attitude to risk. Suggestions on rebalancing action may be made, in accordance with the service level agreed. Removing Hassle All your financial records will be filtered by our client manager & organised neatly into files & updated for review meetings.
Personal-Client-Service-Proposition.docx