Frequently Asked Questions (FAQ)2021-03-13T12:43:03+00:00

Frequently Asked Questions

Please find below our most frequently asked questions.

If you cannot find the answer to your question below, then please do not hesitate to contact us or give us a call on 01257 228820.

Are my investments tied up?2021-03-15T20:43:26+00:00

No. You can access your investments at anytime. Should you need access to your investment capital it will normally take around 14 working days to sell out of your investments to generate cash ready to transfer to your bank account. Fees may be applicable.

Can I still earn a financial return by impact investing?2021-02-08T12:42:43+00:00

Absolutely. These are investments first, their main aim is to provide you with a financial return, we just do so in a way that helps benefit people and planet. It is worth noting though, that all investments can go down as well as up.

Are my investments protected?2021-02-08T12:33:28+00:00

Your investments may be protected up to £85,000 by the Financial Services Compensation Scheme (FSCS). For clarity this protection is not in place if your investments go down. Capital is at risk. www.fscs.org.uk

Can I access my investments online?2021-02-08T12:33:28+00:00

Yes. We use what is called a platform, think of it as online banking for your investments. Once logged in you can see your investments, their performance, and many other areas of information relating to your investments.

Is this the same as Ethical Investing?2021-02-08T12:43:13+00:00

No.Ethical investments will screen out certain industries such as tobacco, alcohol and armaments, but the companies that are left may still have a negative impact on the planet. Impact investing is different as impact investments are made into companies that are seeking a positive impact on the planet. All the benefits of ethical investing, but with impact investing you are actively investing into the companies creating a positive impact on the planet.

What are your fees?2021-03-15T20:47:31+00:00

We charge our clients a fixed initial fee for our analysis, planning and advice and an optional ongoing service fee.

For more details on any of the below please contact us for a copy of our brochure.

Initial Fee

Because we typically work on a holistic basis, and each person’s circumstances and requirements can differ greatly, the cost can vary too. Fees can range between £2,500 – £12,000 but typically our fee is between £2,500 – £7,500.

This fee covers our analysis of your current finances including any existing pensions, savings and investments. The creation of a financial plan based on your current situation and what you wish to achieve and providing our advice of how we can make your current situation more suitable for you having gathered all of the information.

Ongoing Fee

We charge 1% of funds under our care for our ongoing service. (Subject to a minimum £1800)

This fee covers areas such as the management of your investments, regular financial reviews to keep your plan and investments on track, tax planning opportunities and between financial reviews unlimited access to our advice and guidance on any financial issues at all.

For those who wish to engage with our ongoing service, you will pay no upfront or ongoing advice fees in the first 12 months. We understand that when choosing an advisor to work with, you place a significant amount of trust in them upfront.

We want to build a long-term relationship with our clients and are confident that the service we provide will repay that upfront trust, so much so, that we will offer our services free of charge for the first 12 months. For more details please get in touch.

One-off Advice

We can also provide one-off pieces of advice.

Fees will be dependant on the level of complexity. We will inform you of exactly how much our fee will be before we carry out any work. An invoice will be issued on completion.