Our Investment and Portfolio Advice Services
Published / Last Updated on 23/08/2024
We offer a full range of existing investment reviews, new investment money and portfolio review and management services. Whether you are an experienced investor or new to investing and whether you have a large lump sum portfolio or whether you have a smaller monthly to amount to invest, we offer options to suit all pockets.
Why Roberts Clark?
Husband and wife owned, family based Independent Financial Adviser (IFA) and Chartered Financial Planners. We are fee only with no Ad Valorem % of value fees either upfront or ongoing. We always quote set fees and offer discounts of between 10% and 25% off our standard fee if you work remotely with us or pay our fees upfront or a combination of the two. By offering fixed fees we hope it gives you the confidence in knowing that we are offering an unbiased investment advice service without being drawn towards one investment platform or another for commercial gain/profit.
More About Us: About
We will find the best solution to match your needs, requirements and objectives.
Investment Advice Process
We will analyse existing investment products, fund choice, fund performance, consistency of fund performance within peer group, provider/platform and fund manager charges as well as stop any hidden ongoing % adviser charges taken by a previous adviser.
Initially, we ask you to supply signed information authority letters to give you permission for existing investments to share information with us.
We also ask you to complete a financial questionnaire (we will talk this though with to ‘plug’ any gaps). Questions we will also of you are not just factual such as date of birth, address, age, occupation, income and expenses etc, but we will also discuss with you:
- Your needs and goals.
- Whether you seek income, growth or both.
- About your tax position to ensure we offer the right tax friendly solutions.
- We will discuss investment risk, your experience of investing and your tolerance to investment losses. As you may appreciate everyone is happy when their investments are growing in value but there will be times when markets and fund values fall. This discussion is crucial to the advice that we offer.
- Inheritance tax, capital gains tax and later life care needs.
- Whether you are entitled to any means tested or non-means tested state benefits.
Order of Advice Works
- Free consultation.
- Initial fee quotation for services and hopefully acceptance or amendment.
- Financial questionnaire and data gathering.
- Research on suitable solutions.
- Full written report for you detailing our findings and advice.
- Discussions again on our advice report.
- Application and installation of recommendations.
- Checking by us that all advice recommendations have been set up correctly (you would be amazed how many investment companies make mistakes).
- Discussions with you about any ongoing Money MOT advice service if required.
Investment Fees: Investment Ongoing Money MOT Advice Service Fees: Money MOT
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