Elevating our service to you

A clearer structure from the start

In future, your review will begin with a valuation summary sent to you in advance of any meeting.

This will show the current value of your portfolio and how it has performed over the review period.

This gives you time to read through the information at your own pace. The change in approach allows us to concentrate on your key priorities during our discussions, rather than spending valuable time in the meeting going through a detailed document filled with facts and figures.

Alongside your valuation, you will be invited to book a review meeting with your financial planning consultant.

What we will cover in your review meeting

Whether your review meeting takes place virtually or face to face, we will continue to look at your overall financial position.

This will typically include your income needs for the year ahead, your planned expenditure, and your current cash balances. We will review your investments, including how they align with your agreed risk tolerance and your capacity for loss.

We will also consider tax planning, including pensions and ISAs, and any changes to your personal circumstances. This might include health considerations, family matters, or future plans that could affect your finances.

You will always have the opportunity to raise any questions or topics you would like to discuss.

Your review report

Following your review meeting, you will receive a written review report. This document brings everything together in one place.

The report will summarise what was discussed during your meeting, including your objectives and outline your current financial position.

It will also provide you reassurance where your existing portfolio remains suitable and confirm if any new recommendations are required.

Finally, it will include, once per year, clear information about the costs and charges associated with your arrangements. This shows both our ongoing advice fee and any third-party charges, along with the effect these costs have had on your returns over the review period.

Our aim is to provide transparency and clarity, using plain language wherever possible.

What stays the same

While the process is changing, our commitment to you is not.

We will continue to review your arrangements regularly and act in your best interests. Your advice will remain tailored to your individual situation, not based on a one size fits all approach.

You will continue to have access to your financial planning consultant and our wider team, and we will always welcome contact if your circumstances change between reviews.

Looking ahead

Over the coming months, you will start to see these changes reflected in how your reviews are carried out and how information is presented to you.

If you have any questions about the new review process, or if there is anything you would like to discuss ahead of your next review, please get in touch. We are here to support you and to help ensure your financial planning remains aligned with your goals.