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Review Service

Client circumstances, needs and objectives can and do frequently change.

It is therefore essential that we maintain an ongoing relationship through a regular review service to ensure you are continuing to meet your original objectives and/or adapt your financial plan to take account of changes. The level of ongoing service is dependent on the level of funds under advice and whether you have adopted a passive or active management approach as set out below.

  Bronze Silver Gold Platinum
Client Classification
Funds under advice - Passive Strategy
A passive investment approach utilises low cost index tracking funds to provide a return of the market without risk of under-performing that market.
up to
£30,001 to
£100,001 to
or more
Funds under advice - Active Strategy
An active investment approach utilises actively managed funds which aim to outperform the market but carry the (sometimes significant) risk of under-performing that market.
up to
£60,001 to
£160,001 to
or more
Client Contact
Initial/new advice face to face Yes Yes Yes Yes
Remote review (postal / telephone / email) - Yes - -
Annual office based face-to-face meeting - - Yes Yes
Half-yearly valuations remotely by post - - - Yes
Access to highly qualified Paraplanner team - - Yes Yes
Review Service
Computerised records retained Yes Yes Yes Yes
On-going service provision - Yes Yes Yes
Annual valuations - Yes Yes Yes
Annual return (last 12 months) calculation - Yes Yes Yes
Average annualised return calculation - Yes Yes Yes
Annual asset allocation summary - Yes Yes Yes
Update client situation and objectives - - Yes Yes
Portfolio Rebalancing - - Yes Yes
Review opportunities to improve tax efficiency - - Yes Yes
Review other relevant improvements / opportunities - - Yes Yes
Review income needs - - Yes Yes
Review capital requirements - - Yes Yes
Agree post review work and fee estimates - - Yes Yes
Minimum twice-yearly valuations plus annual review meeting - - - Yes
Additional meetings by agreement - - - Yes
Information on certain products held may be issued as necessary Yes Yes Yes Yes
Ad hoc promotion of other products and/or services Yes Yes Yes Yes
Initial advice fee based on time costed hourly rate Yes Yes Yes Yes
Fees will be reduced by offsetting any commission received Yes Yes Yes Yes
Excess initial commission will be reinvested or rebated to client Yes Yes Yes Yes
Review service met from funds under advice - Yes Yes Yes
Option to upgrade to higher service standard with top-up fee - Yes Yes -

Our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service or by contacting them on 0800 023 4567.

Alternatively, where your complaint relates to products or services purchased online, or by other electronic means such as by email, you may refer your complaint to the online dispute resolution (ODR) platform at