New Pension Lump Sum Investment

New Individual Pension Scheme Lump Sum Investment

We will conduct independent, unbiased, in depth research, advice and analysis to construct an individial pension scheme investment portfolio on your given income/growth profile and other requirements.  It will include research and a full written suitability report on suggested investment portfolio including

• Named investment provider recommendations (a new or existing scheme) as well as fund sector and specific investment fund recommendations in line with your attitude towards risk
• Application forms will be handled by us although all investment monies will paid direct to the pension company
• We do not handle client investment money and will only accept money payable for our agreed advice fee
• VAT free as majority of works are for intermediation on regulated products.

Fees are made up of two parts to make up the total fee:

1. Fixed Fee Element - this is a fixed, flat fee per pension scheme, whether you have £10,000, £20,000 or £40,000 to invest, the same 'timed work' and analysis is required.  Up to 25% discounts apply when selecting Non Face to Face/Remote services and/or Paid Upfront.
2. Risk Fee Element – this is a 'one off' % fee based upon the value of the first monthly pension payment.  It is representative of the liability that we take on as advisers and the fees that we pay to insurers, ombudsman levies and regulator levies that are based upon the volumes of work that we do.  E.g.  the liability we take on for a £5,000 lump sum pension investment is much lower than for a £40,000 lump sum pension investment, hence a proportionate charge for this.
3. These are 'ONE OFF' fees.  There is NO ONGOING % adviser charge paid to us, unlike many other advisers who take an ongoing % each year meaning more of your pension fund, tax relief and any growth stays in your fund.