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?2022-01-12T10:47:43+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

Our initial fee is a fixed £1800.

This fee covers our analysis of your current pensions, savings and investments. Having conducted our analysis we will report whether moving your investments to BlueSphere is suitable for you having compared performance, fees and risk.

Ongoing Fees

We have two simple charging structures.

Investment Review Service

We charge 0.7% of funds under care for our pension and investment review only service. (subject to a minimum £1200)

Full Financial Planning Service

We charge 1% of funds under our care to manage multiple pensions and investments, retirement planning, estate planning and inheritance tax planning. (subject to a minimum £1800)

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.