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Planning that starts with what you want, not with a product
Whether you are building savings, thinking about retirement or wondering what you will be able to pass on, the work starts with understanding where you are now and what you are trying to achieve.
What I can help with
Four areas that tend to come up
Growing your wealth
Reviewing what you already hold, agreeing how much risk you are comfortable taking, and putting a plan in place that matches it. The value of investments can fall as well as rise.
Get in touchRetirement income
Getting a clear picture of what your pensions are likely to provide, and what your options are for drawing an income when the time comes.
Get in touchPassing wealth on
Planning how your money reaches the people you intend it for, including the use of trusts where appropriate. Tax treatment depends on your circumstances and may change in future.
Get in touchOngoing reviews
A plan is only useful while it still fits. Regular reviews check that your arrangements still match your objectives as circumstances change.
Get in touchHow it works
The six stages
1. Your goals
We talk about what you want to achieve, your circumstances and any concerns, so the advice is built around those rather than around a product.
2. Your information
We gather the detail on your existing plans, policies and commitments. Where investments are involved we assess your attitude to risk and your preferences.
3. Analysis
We assess whether your current arrangements are actually meeting your goals, including anything you already hold.
4. Your strategy
You receive a personal report setting out the recommendations and how they help you meet your goals. We may also raise planning opportunities worth considering.
5. Implementation
We agree what you want put in place, complete the applications and monitor them through to the product being issued.
6. Ongoing service
If you choose it, we review the plan regularly to check it still matches your objectives.
Ongoing service
Two ways to keep the plan under review
Continuous Advice is for clients who want their adviser available throughout the year. It includes an annual valuation of your investments, a reconfirmation that they remain suitable, and a full progress check against your objectives. You can review annually or every other year, and you can cancel at any time.
Advice on Demand suits people who would rather receive less frequent service and choose what they need as they go. These services are charged at an hourly rate, with an estimate given before any work starts.
Charges for either option are set out in our menu of fees and charges. You will sign a fee agreement before any work begins, and we cannot charge a fee for work you have not agreed to.
Important information
The basis of our advice
We provide restricted advice on investments and pensions. Our recommendations are based on products from a limited number of companies selected by the Openwork Group, potentially including funds from Omnis Investments Limited and risk rated model portfolios managed by Omnis within the Openwork Group.
For insurance we are an intermediary representing you, not an insurer, and we can only recommend products from a limited number of insurers.
The value of investments can fall as well as rise and you may not get back the full amount invested. Specific risks for a particular product are set out in that product's documentation.
You will be treated as a retail client, which carries the highest level of protection available under the regulatory system. We are covered by the Financial Services Compensation Scheme. Most types of investment business are covered up to 85,000 pounds, and insurance advising and arranging is covered for 90 percent of the claim without an upper limit. Further information is available from the FSCS.
Start with a conversation.
The first one costs you nothing and carries no obligation. It is simply a chance to talk through what you are trying to do.